vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-02-23 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 — Problem with personal statement of dispute
Company: OPORTUN FINANCIAL CORPORATION
State: GA

Complaint narrative:
XX/XX/2021 - My credit report shows on a Hard Inquiry from, Oportun/XXXX XXXX - I called to report that I began an application and did not complete nor submit the application and to please remove the Hard Inquiry. I was told they understood that I did not submit the application and was led to believe the inquiry would only take place if I had submitted the application. Tix Nbr XXXX was issued. 
XX/XX/2021 - I spoke with XXXX XXXX in the Application Department. He shared that at the beginning of the application there is a message to approve the inquiry as part of the application. - I explained that it is implied that the approval for the credit inquiry would be part of the submitted approval and no where does it state that the credit inquiry would be immediate and without submitting the actual application. - XXXX XXXX was not able to assist any further and I shared that I would reach out to the Consumer Financial Protection Bureau do to the misleading agreement in the beginning of the application. 
- I am asking that this hard inquiry be removed from my credit report and that the application wording be reviewed for being misleading.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: ROBINHOOD MARKETS INC.
State: IN

Complaint narrative:
Im trying to Withdraw my Funds From Robinhood and It keeps saying withdraws disabled and Im unable to withdraw using my debit card I reached out to them for help several times with no help I just want to withdraw my money and close my account XX/XX/XXXX {$300.00} from my bank account to RobinHood then they told me I needed to deposit another {$49.00} dollars to have access to instant deposits and stuff so I then deposited {$60.00} on XX/XX/XXXX of XXXX and still cant use or withdraw the money I have a positive account balance of {$360.00} dollars just held hostage please help

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-23 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Action Collection Agencies, Inc.
State: MA

Complaint narrative:
Hello, Im shocked, surprised, stressed out both physically and mentally to find this medical collection in my credit without proper notice or even allow me to contest it. Its not mine! - Don't waste my time by partially responding to this demand. I am really smart and demand all these documents or you will face an immediate lawsuit. Therefore, I am demanding under my consumer rights that you send me ALL the following documents to me. Because if not now, then you will be forced to produce them to my attorney in the discovery phase of the lawsuit. So, to save yourself potentially paying my legal fees ( Which are ridiculously expensive ), I will just go ahead and order them now, so I can turn it over to him. 
Please provide me with the following : A signed and Notarized copy of the HIPPA release that allows you to access this alleged medical record What the money you say I owe is for Explain and show me how you calculated what you say I owe Provide me with copies of any papers that show I agreed to pay what you say I owe Provide a verification or copy of any judgment if applicable Identify the original creditor Prove the Statute of Limitations has not expired on this account Show me the you are licensed to collect in my state Provide me with your license numbers and Registered Agent or Agent of Service If your offices are able to provide real documentation as requested in the following Declaration, I will allow at least 15-days to investigate this information and during such time all collection activity must cease and desist. 
Also, during this validation time, if any action is taken which could be considered harmful to any of my credit reports, I will consult with my legal counsel for suit. This includes listing any information with a credit reporting agency that could be inaccurate or invalidated or verifying an account as accurate, when in fact there is no provided proof that it is accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Flagstar Bank, N.A.
State: HI

Complaint narrative:
Due to CO19 I put my home into forbearance -Flagstar did extend that to me till XXXX XXXX I can start making payments again IF they will put the past amount owed onto the BACK of the loan [ like extend the loan one year beyond its final payment date ]. BUT THEY say I have to come up with the TOTAL amount owed [ it will be over {$24000.00} ] AT ONE TIME, once the forbearance is ended. WHAT is the POINT of doing a forbearance IF I still have to come up with all the money at once. OR IF my payments INCREASE? I thought that the CO19 laws where that the amount owed would be tacked on to the end of loan?! PLEASE HELP me get them to allow this so I wont lose my home!!

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 2021-02-23 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 — Investigation took more than 30 days
Company: Portfolio Recovery Associates, LLC
State: PA

Complaint narrative:
I filed a dispute in regards to the incorrect items on my credit report and its been well over 30 days and I havent received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-23 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: WESTERN UNION COMPANY, THE
State: CA

Complaint narrative:
I was phoned by someone claiming to represent the XXXX XXXX XXXX XXXX of the U.S. Treasury Department concerning transfers I have made through Western Union. What's suspicious is when I sent a message to XXXX officially enquiring as to the person, their phone number, and the case number they referenced, they sent me the following. 

" Good day, " XXXX  does not send unsolicited requests and does not seek personal or financial information from members of the public. Those who believe that they have been a victim of a financial scam or fraud should report this information to local, state, or federal law enforcement authorities. XXXX is not an agency that can investigate such matters or impose criminal penalties. For additional information, please visit the Consumer Financial Protection Bureau website, which contains resources for detecting, preventing, and reporting fraud and scams. '' Upon calling the person back and asking for his government email, he hastily excused himself saying " Let me call you back. I was just about to call you. '' This person knew my phone number, current addresses, and the name of the transfer recipient through Western Union. Note, the recipient 's full legal name has an extra name he did not mention. He used the name Western Union uses, making me think he illegally obtained data from Western Union.

He specifically cautioned me against people calling from Western Union as there was a lot of such fraud. If he himself was a fraud, it could be to thwart investigation into his illegal scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-23 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: CITIBANK, N.A.
State: CA

Complaint narrative:
In XXXX I madd a {$1000.00} payment And told the pond rep test tgd payment id for XXXX and XXXX Problem is the Citibank customer service is in XXXX XXXX and XXXX they all have language problem do t XXXX XXXX fluent Ingush dont know how to go things They call here demand payment I blocked theirs phone Charge late fee MADD my account past due which I am not paid {$1000.00} payment Made my account delinquent which my account should not be delinquent after {$1000.00} payment Deliquent is when no payment made for months

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 2021-02-23 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LAND HOME FINANCIAL SERVICES
State: FL

Complaint narrative:
Mortgage problem with escrow department. Land home financial services Shortage is whom our mortgage is through Escrow department is saying we have a shortage for XXXX because of not filing Homestead and County Property tax increase Home Stead was filled XX/XX/XXXX for XXXX Proof of County tax with no increase was submitted Documents given to escrow account XXXX XXXX and XX/XX/XXXX. Talked with escrow numerous times. Finally agreed and apologised after numerous call. 
They did confirm receiving documents but neglected to update and impute it in the system. Manger and operator had found documents and said they would put new information This was first week of XXXX and That our payment will remain the same. XXXX They never sent a updated statement we are now showing delinquent We we paid our last month payment for XXXX. Normal payment and they are saying our payment is XXXX And we now owe XXXX. 
Please resolve this matter the escrow dept is not doing their job to Correct this My husband concerned about his credit and its a big scary mess. 
XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: JPMORGAN CHASE & CO.
State: VA

Complaint narrative:
I've held a couple of credit cards with Chase for a total of about 4 years. 

After making a big payment made to my cards card Chase responded by reducing my credit rating on two cards down to within {$500.00} of the balance on the card. My credit rating suffered a XXXX point drop as a result and Chase is using my lowered credit score as the justification for lowering my limit, even though they're the ones who did it. 

Throughout my history with Chase, I've never missed a payment, and I've always paid more than the minimum monthly balance. I've been the perfect customer, since this particular card is a rewards card so I used the card instead of letting it sit. 

After getting sick over the summer with XXXX, my credit card use increased for a while but the extra use was paid off when my XXXX check came in. Chase says my increase in utilization was the reason for their cut in my credit limit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-23 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: FL

Complaint narrative:
XXXX  and Transunion should not be reporting each inquiry listed on my credit report as a separate line item. These multiple inquiries are well within the shopping window that is typically allowed to check different lenders and find the best loans. Each one of these inquiries listed are of like kind. They are not separate, individual entities. These inquiries should not have negatively impacted my credit score and they need to be removed from my credit report. ( Please see page attached for reference. ) This false reporting of multiple inquiries is seriously harming my credit score. Please update to report only one line item. It is a violation of the Fair Credit Reporting Act to not report accurate information on my credit report. I have contacted the bureaus to fix this however, I have not been successful.

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 2021-02-23 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Experian and XXXX  should not be reporting each inquiry listed on my credit report as a separate line item. These multiple inquiries are well within the shopping window that is typically allowed to check different lenders and find the best loans. Each one of these inquiries listed are of like kind. They are not separate, individual entities. These inquiries should not have negatively impacted my credit score and they need to be removed from my credit report. ( Please see page attached for reference. ) This false reporting of multiple inquiries is seriously harming my credit score. Please update to report only one line item. It is a violation of the Fair Credit Reporting Act to not report accurate information on my credit report. I have contacted the bureaus to fix this however, I have not been successful.

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 2021-02-23 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: NV

Complaint narrative:
On XX/XX/XXXX Equifax notified me of a new collection account that I was unaware of. Since then the account has updated at least 5 different times. On XX/XX/XXXX I submitted a dispute letter to Equifax along with the dispute I sent directly to the company is question " Persolve ''. On XX/XX/XXXX I submitted a secondary follow up letter to Equifax. On XX/XX/XXXX Equifax sent a letter back about the account I disputed stating, " THE DISPUTED ITEM IS NOT CURRENTLY REPORTING ON THE EQUIFAX CREDIT FILE. '' After checking my Equifax credit profile I noticed the account was not there. However on XX/XX/XXXX the account was updated and added back to my Equifax credit report. I don't know why they would remove the file during the dispute just to add it back after responding, I do not believe that to be an ethical procedure of the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-23 00:00:00
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: DK, Consulting, Inc dba Huntington Financial Services
State: VA

Complaint narrative:
HF Services XXXX XXXX XXXX XXXX XXXX XXXX. XXXX randomly called people with my last name until they found a family member and then lied and gave a bogus reason for them to call me. They told my brother I filed a insurance claim for unlivable conditions. It ended up being a debt that was included in a bankruptcy years ago and its a collection firm trying to collect a old debt. I spoke to XXXX who was an absolute XXXX and broke many FDCPA laws and made multiple violations. He threatened to file litigation if I didnt pay the debt within a hour. He called family members and gave personal information and lied to them to get me to call under false pretenses. He refused to transfer me to a supervisor after I repeatedly told him he was breaking the law by doing, and saying what he was. He hung up on me two times when I called back to speak to his supervisor. Even when I told him it was against FDCPA to call family members randomly and give them personal information, refuse to let me speak to his supervisor, and threaten litigation when hes not actually about to do it, he just got a attitude and hung up.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-23 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 — Investigation took more than 30 days
Company: Lending Club Corp
State: NY

Complaint narrative:
I file a dispute in regards to the incorrect items on my credit report, it has been well over 30 days and I haven't received my investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Guild Holdings Company
State: TX

Complaint narrative:
I'm self employed and my income was effected in XX/XX/2021. I tried to advise the Servicing Dept at Guild Mortgage that I can't utilize the forbearance plan offered because my refinance wouldn't close. I told them I could get contractually current in XXXX to avoid the late hit on credit. I just needed the one time courtesy for XXXX payment ; no forbearance plan needed. They advised I had to go through a plan even though I set up payments to be current. They advised the payment system is down. I relooked at my score after the late payment because I was going to just let it go but it actually dropped my score so low I couldn't refinance. I am requesting the late hit be removed as I was effected by COVID and brought the account contractually current within 30 days of missing XXXX payment. I found it predatory to make my go into a forbearance plan to get the late removed and therefore losing my opportunity refinance. I've never been late in the past and had exceptional credit over XXXX prior to last month.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-23 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: NJ

Complaint narrative:
I've been disputing fraud accounts and inquiries on my credit report since XX/XX/2020. I keep sending multiple sets of letters to the bureaus so the excuse of " we didn't get it '' doesn't happen. Furthermore, each letter is certified mail with tracking and each letter shows signed and delivered and yet the bureaus are still not taking any actions. The accounts are not showing in dispute nor are they removed from my report. I have requested the investigation to be initiated and also verifiable proof to be submitted should the account claim to be mine. Not only have I not received any mail showing the verifiable proofs needed to justify the accounts to be on my report, I haven't even received any letters at all stating the investigations have begun. Per the FCRA and federal law, the process is supposed to be 30 days. 250 days later, I'm still here shelling out money for certified mail with no end in sight and no results to show. This is my last option before I take this up with my lawyers and sue for full compensations and damages incurred.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: U.S. BANCORP
State: OH

Complaint narrative:
At u.s. bank I was put into a GOLD checking account which is meant for people woth credit cards and loans with the bank. I have neither. However I was incurring a XXXX fee every month since XXXX for being in that checking account. When attempting to get reimbursed for the charges they only refunded 3 and said there was nothing they can do for the rest.

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 2021-02-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I have ( had ) three credit cards with Bank of America that I rely on daily. This morning I woke up to all three being closed by them for no reason at all. When calling, XXXX XXXX told me my accounts were reviewed and closed due to " authorized user activity. '' I have no idea what that means and they won't tell me or reopen my cards. I've added a few family members to my card so they can have access to credit but I've never missed a payment to Bank of America or any other bank, ever. In fact I've been a loyal BofA customer for twenty years and have paid them many annual fees only to have them close my accounts for no reason with no warning.

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 2021-02-23 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Termination fees or other problem when ending the lease early
Company: AMERICAN HONDA FINANCE CORP
State: VA

Complaint narrative:
Due to COVID and a lack of need for a second car, I decided to turn my XXXX  XXXX back in to the dealer. I was assured no termination fee would be assessed. At the dealership, I asked once again before handing in my keys, what do I owe? The dealer said, " Nothing. Good to go. '' We signed releases and left. 

I received a notice from XXXX the next day that not only did I owe payments for the car I just turned in for the next 3 months, I was assessed a XXXX dollar termination fee. I reached out to the dealer 's manager, and have heard nothing back. I reached out to XXXX XXXXXXXX XXXX and they said if I purchased a XXXX they would waive the fees. They said if I had any issues to talk to the dealer who " made a deal with me '' to see if they can waive the costs. 

To avoid the hit on my credit, I am paying the fee on the due date. But I believe this to be an unfair treatment of a customer who has been a loyal XXXX customer for 10 years. The vehicle at least maturity was supposed to have XXXX miles on it. I turned it in with less than XXXX. How is this fair? They've likely sold it already and made a profit.

Company response to consumer: Closed with explanation