vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-11-18 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:
There was an apartment listed on my credit in which I have never lived at. I attempted to call the company and they said they never had heard of me either. Please remove them from my credit reports as it's hindering me from getting a place to live.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-18 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: Self Financial Inc.
State: MD

Complaint narrative:
THE LIST OF CONCERN THAT I WOULD LIKE TO MAKE KNOWN TO FCC, XXXX, FTC, HAS BE A ONGOING ISSUES WITH SELF LENDER FINANCIAL. 
1. PAYMENT SYSTEM ERROS SINCE XXXX I WILL UPLOAD PICTURES FOR THE RECORD. 
2. SELF LENDER FINANCIAL OFTEN DELAY CUSTOMERS PAYMENT DELIBERATELY THIS A PATTERN THAT THIS COMPANY DUE TO HARM THERE CUSTOMER CREDIT REPORT FOR LATE PAYMENT.

3. NEXT CONCERN DURING THE STATE OF EMERGENCY SELF LENDER FINANCIAL DELIBERATELY MESS CUSTOMERS CREDIT REPORT ALWAYS / FOR THE BILLING ISSUES IT DOESNT MATTER IF U PAY YOU {$15.00} PAYMENT ON TIME OR 8 DAYS BEFORE UR DUE OR IF U MAKE DOUBLE PAYMENTS THE CUSTOMERS WILL ALWAYS BE WRONG FOR MAKING DOUBLE PAYMENT. 
4. WHEN I TOLD THESE AGENT XXXX AND XXXX AND MANY OTHER THAT THERE BILLING SYSTEM IS BROKEN! I TOLD THEM ON MANY DATES AND TIME FROM XXXX XX/XX/2020 I WAS TOLD BY TWO AGENT THEIR RESPONE WE JUST WORK HERE AND WE DONT CARE ABOUT SELF LENDER IAM JUST HERE TO GET A CHECK WE DONT CARE ABOUT CUSTOMERS ISSUES OR CONCERNS AT ALL 5. I JUST NEED TO THIS COMPANY TO DO BETTER WITH THEIR CUSTOMER CARE AND TREAT PEOPLE LIKE HUMANS INSTEAD OF BLOW CUSTOMERS OFF AND DROPPING THE BALL .. 

THE AGENT TOLD BE HE DIDNT FEEL LIKE WORKING AND HE HAS BETTER STUFF TO DO AT HOME INSTEAD OF WORKING ON THE CLOCK FOR SLEF LENDER GIVE ME A CALL ON THIS FIX PLEASE AND THANK YOU MR .XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-18 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: CO

Complaint narrative:
There are unauthorized hard inquiries that I have been trying to remove from my credit reports for months now by contacting both the bureaus and the companies but to no avails. 

XXXX  : XXXX XXXX XXXXXXXX XXXX XXXX  : XXXX XXXX  Experian : 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
Consumer complaint received 2020-11-18 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: FirstPoint Collection Resources
State: NC

Complaint narrative:
First Point Collection agency has yet to respond to my validation request. I have sent numerous of debt validation letters to them. When I called they explained that the letter sent said cease collection activity. The letter stated for them to cease collection activity with the consumer reporting agencies. The representative stated that they did receive the letters but would have to ask to send validation documents which I thought was strange. This company continues to report inaccurate data on my credit reports and ignoring my validation request!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Aargon Agency, Inc.
State: NV

Complaint narrative:
A company by the name of Aargon Collection Agency is reporting a balance of {$2300.00} for a hospital bill that does not belong to me. I sent them a letter asking them for signed hospital documents for this debt since I have health insurance and they send me a print out with nonsense data and numbers that I can't understand yet no signed documents by me.

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 2020-11-18 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: MA

Complaint narrative:
XX/XX/2020 I was scammed on ecrater.com from a company they had posted on their site. I bought a XXXX for XXXX through paypal. Which the site took down there website. I emailed them to give me a refund immediately and I also let pay pal know and followed there steps to get my refund. They denied my claim. They are letting people get robbed by scammers by allowing them to use their site and deny us the protection we deserve. Ive had a pay pal account for years and this is unacceptable business practices. They say they protect us from fraud. You can even get help from a live person. They take forever to respond and something needs to be done

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-11-18 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: MA

Complaint narrative:
TransUnion dismissed my evidence because of their criteria. I disagree that an email from XXXX XXXX stating that " my autopay was in place at the time the payment '' was due is insufficient. My evidence shows that XXXX is at fault. XXXX XXXX can easily say that the " disputed information was correct '' and not take responsibility, so TransUnion should factor in the correspondence I provided. If it does not meet TransUnion 's criteria, should adjust there criteria as it is valid. 

I have contacted XXXX XXXX several times about the problem, but they have not responded. I have initiated a complaint with the 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
Consumer complaint received 2020-11-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
Portfolio Recovery is reporting a balance of {$430.00} on my credit report. I sent them a letter asking for the signed credit application from the original creditor. Instead they sent me a copy of letter from the credit card company that says they sold the account to them. And that letter has an address from XXXX XXXX XXXX that is not my address and I never lived there. 

That's it. No contract, no signed credit application and an address I never lived at.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge 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: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
On XX/XX/XXXX I placed an online order ( # XXXX ) with XXXX XXXX XXXX XXXX in the amount of {$900.00} and charged it to my Chase Bank Sapphire card ending in XXXX. Within in minutes, after placing the order, I changed my mind and was given the option by XXXX XXXX online platform to cancel the order. I received a response that my confirmation for the cancellation would be emailed shortly. The case # XXXX was provided as a reference. Instead of actually canceling the order, XXXX shipped the merchandise via XXXX  tracking # XXXX. I followed up with XXXX  on XX/XX/XXXX via phone regarding the transactions and advised them of the reference number I received regarding the cancellation. I was told by a XXXX  representative that the order was not visible in their system but later on XX/XX/XXXX I received at shipping confirmation that they went ahead and shipped the order. I contacted XXXX  on XX/XX/XXXX and advised them that I refuse the delivery. XXXX  provided me with return # XXXX confirming the refusal. and they would indeed return the goods to XXXX. The goods never left the state of Illinois for Texas, where I live, from the XXXX facility. On XX/XX/XXXX I contacted Chase Bank, my credit card company, to file a dispute for the transaction via the mobile app and the charge was temporarily removed. After weeks, the charge reappeared on my account and I have been billed by XXXX XXXX XXXX XXXX for merchandise I cancelled and never received in the amount of {$900.00}. This charge is in error and must be removed as no goods were ever received. I've contacted XXXX XXXX and they stated that my Chase account was credited with a refund on XX/XX/XXXX. Chase says that they never received a charge back from XXXX XXXX XXXX XXXX. XXXX XXXX has provided me with a Payment ID # XXXX. Chase has been very uncooperative. They dropped the ball from the beginning of the dispute. XXXX XXXX sent them a copy of the XXXX  XXXX tracking and it shows that the bike that I ordered never left XXXX, Illinois where it was shipped from, because I contacted XXXX XXXX and instructed them to return the bike to XXXX XXXX. Chase still expects me to pay them for this charge, even though I have provided them with the proper documentation. Both companies have been very dismissive, however XXXX XXXX has provided me with documentation to substantiate their claims.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: U.S. BANCORP
State: MA

Complaint narrative:
I have been having a hold on my usbank reliacard Since XX/XX/2020 I have called severally all I keep getting is the same answer in different ways I was told to fax my document to a fax number which I have done upto 5 times with no response from them I have my reliacard on hold I need help for them to remove my account From hold so as to be able to access my fund I never got no email back each time I try to talk to a representative I spend my whole day at home trying to make this call.

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 2020-11-18 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: Convergent Resources, Inc.
State: NV

Complaint narrative:
Investigation took more than 30 days!

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 2020-11-18 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: Army and Air Force Exchange Service
State: NV

Complaint narrative:
Investigation took more than 30 days!

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 2020-11-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ProCollect, Inc.
State: TX

Complaint narrative:
Debt is reporting on credit report that is not mine which is not allowing to obtain credit.

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 2020-11-18 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: CITIBANK, N.A.
State: NJ

Complaint narrative:
I had a " XXXX XXXX '' card with Citi since XXXX. Citi bank closed my account on XX/XX/XXXX without any notice due to " no activity on card ''. The balance was paid in full at the moment of card closure and the card was never delinquent. 

I logged into my Citi account today ( XX/XX/XXXX ) and found the close was since closed. I called Citi customer service and found out the account was closed by Citi on XX/XX/XXXX. I had XXXX XXXX XXXX ( Citi XXXX XXXX XXXX that I earned on the card at the time of account closure, Citi refuses to allow me redeem the point for cash or make any compensation offer.

Here is what I think Citi 's activity falls under UDAAP definition : 1. Despite Citi has right to close my account due to inactivity, Citi should have notified my via first class mail or other written format to notify me. Citi did not notify me nor allowed me to dispute this decision timely. 

2. At the time of account closure, the points earned on the account should be cashed out or transferred to another eligible account. Citi forfeited the reward balance and refused to recredit them. 

Citi advertised XXXX XXXX as the feature of the product and a return of profit to customer, yet Citi closes account and seize rewards without notifying the customer. This is especially unacceptable when there is no wrongdoing on customer 's side ( e.g., bank decides to close account due to inactivity ).

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 2020-11-18 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: CA

Complaint narrative:
I submitted a hardship request per the instructions found on the collection letter I received. I mailed the document first, well within 30 days of the date on the letter. However, I never received a response/nothing happened. I proceeded to email the documents after seeing that it was an option. I've continued to email my request and don't receive any response or acknowledgment.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-18 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: CA

Complaint narrative:
I have been trying to work with the 3 credit agencies for 7 months to fix the balances of my mortgage.The credit agencies still reporting XXXX when I only owe XXXX. 
I also try to contact XXXX XXXX numerous times.The 3 credit bureaus and XXXX XXXX XXXX XXXX keeps ignoring my request for last 7 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 2020-11-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: FIRST ADVANTAGE CORPORATION
State: CA

Complaint narrative:
Incorrect SSN issue date and criminal conviction date provided by First Advantage Background Services Corp. were used in the decision not to hire me by prospective employer.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-18 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: TN

Complaint narrative:
Failed to correct fraudulent accounts on my consumer reports

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 2020-11-18 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: CA

Complaint narrative:
Misinformation has been placed : Incorrect address, Telephone number, Name, and Information. I need this to be investigated and fixed immediately! 
Here is the list of all the account : 1- XXXX  XXXX  Account # XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) Account # XXXX 3- XXXX XXXX ( Original Creditor : XXXX XXXX  XXXX XXXX XXXX XXXX ) Account XXXX XXXX 4- XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX ) Account # XXXX 5- XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX ) Account # XXXX 6- XXXX Account # XXXX 7- XXXX XXXX XXXX XXXX Account # XXXX 8- XXXX XXXX XXXX Account # XXXX 9- XXXX XXXX Account # XXXX 10-SXXXX  Account # XXXX XXXX Account # XXXX 12-XXXX  Account # XXXX 13-XXXX  XXXX  Account # XXXX 14-XXXX Account # XXXX 15-XXXX XXXX  Account # XXXX 16-XXXX Account # 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
Consumer complaint received 2020-11-18 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: EQUIFAX, INC.
State: VA

Complaint narrative:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later I have not received verification of the inaccurate items.. I feel like Im being taken advantage of and being ignored of my disputes. Section 611 ( a ) plainly states failure to investigate 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 you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-18 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: Experian Information Solutions Inc.
State: VA

Complaint narrative:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later I have not received verification of the inaccurate items.. I feel like Im being taken advantage of and being ignored of my disputes. Section 611 ( a ) plainly states failure to investigate 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 you caused 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 2020-11-18 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Santander Consumer USA Holdings Inc.
State: TX

Complaint narrative:
Debt is reporting on credit report that is not mine which is not allowing to obtain credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Rocket Mortgage, LLC
State: CA

Complaint narrative:
I am writing to contest the additional fees ( {$1500.00} ) being charged by QLMS for my refinance. I feel QLMS totally dropped the ball on this and purposely delayed the closing of this loan to nickel and dime me at the last minute and put me in a corner. 

I reviewed and approved the Closing Disclosure Package ( attached ) sent out on XX/XX/XXXX and was expecting to have this wrapped up shortly thereafter. I was then notified there was an issue regarding a lien that did not even exist as of XX/XX/XXXX as notated in the attached document provided by XXXX XXXX. There was a week of back and forth from QLMS about an issue that was not even real or true. They said they could not close the refi until the issue was resolved which there was no issue to resolve. QLMS clearly dropped the ball on this issue as they received these documents and confirmation directly from the title company and it had nothing to do with me. I was expecting to close on XX/XX/XXXX with funding on XX/XX/XXXX as notated on the closing disclosure provided by QLMS which I reviewed and approved on XX/XX/XXXX. There were some delays, which were of no fault of mine, and then I was told on XX/XX/XXXX that QLMS did not have the correct Payoff Statement from my current lender. Again, no fault of my own and clearly QLMS dropped the ball on this. Now QLMS is trying to charge me, XXXX {$1500.00} XXXX as noted on the attached Redisclosure Package XXXX XX/XX/XXXX XXXX, for their mistakes and lack of professionalism. This totally unacceptable and clearly part of their process in hopes of cheating potential clients for a few dollars more. I feel they are in violation of the law with these bait and switch tactics. 

In addition, I was told to not make my payment to my current lender since funding was supposed to be on XX/XX/XXXX. Now, it is XX/XX/XXXX and QLMS is no where near completing this refi and I am now late for my XXXX payment. I will have an additional expense because of the late payment which again was no fault of my own. I am extremely frustrated and unhappy about the way I am being treated and the way QLMS does business. 

I expect QLMS to honor the totals on the attached Closing Disclosure ( XX/XX/XXXX ), as required by law, and to close this loan ASAP! Again, the delays were of no fault of mine and therefore I should not be penalized. 

Please confirm receipt of this email and let me know if the only option is to cancel this refi as I am not willing to pay for the mistakes made by Quicken Loans.

Company response to consumer: Closed with explanation