vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-08-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Affirm Holdings, Inc
State: CT

Complaint narrative:
So on these dates XXXX. These accountants were never authorized to be open or reflect on my credit, they was only authorized to do soft inquiries bases on the agreement that I had, I never authorized accounts to be opened to reflect on my credit .I need them removed immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-09 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: FL

Complaint narrative:
2 U S DEPT OF EDXXXX is still reporting on my XXXX   account after I sent disputes after 45 days. Seems to be re added after being deleted from XXXX  and Transunion they also Violated The United States Code Law 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ) I never gave you any written consent to report anything on my consumer report Transunion - I Sent over my FTC report and called in they refuse to remove unauthorized inquires - I told them they were fraudulent they have not removed them. this is a VIOLATION of the FCRA section 604.

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 2021-08-09 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc

Complaint narrative:
Invoice ID : XXXX I received update for my case from PayPal on Sunday XXXX XX/XX/2021 stating that " we had to deny your claim ( s ). This decision was made because we received shipment tracking from the merchant confirming that the merchandise was delivered ''. I immediately called PayPal and the CS track the package nothing such as item delivered to me update. Instead, the update is package returned to the shipper on XXXX XX/XX/2021. 

Therefore, the CS reopen the case on XXXX XX/XX/2021. Same day with case closed and promised I will get my refund. The call also recorded. Please check. At the same day XXXX XX/XX/2021. The case closed again. Stating that I'm ineligible for buyer protection. 

To conclude the situation. Item returned to seller but PayPal lied that tracking shows delivered when its not. And after case reopen because of my appeal. Case close again and PayPal stated im ineligible for buyer protection. Which is so unethical and unacceptable. How come PayPal run with client money after receive package back? And after confronted that PayPal make excuse that item delivered when its not? And less than 24 hours close the case again and change the reason. 

Attached the email received from PayPal. Call recording with PayPal from XXXX XX/XX/2021, XXXX XX/XX/2021 and XXXX XXXX XXXX acknowledged item returned to the shipper. And promise of full refund {$2700.00}. PayPal also can check call recordings stored in PayPal data base Note : PayPal also record every call made to them for quality purposes. Therefore please CFPB to review the call recordings because call recordings i have is match with PayPal database

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ERC
State: PA

Complaint narrative:
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX  and XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureaus and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: VA

Complaint narrative:
This credit card account was a result of identify theft. I reported this to the credit bureaus once I noticed it on my credit bureau reporting and it was confirmed fraud and removed off of my credit report. I never heard anything else regarding this account until I saw my XXXX XXXX XXXX  account was deducted over XXXX  XXXX XXXX. I spoke to XXXX XXXX and they advised me that it was a garnishment and provided me with the number to LVNV Funding. Once I spoke with them they advised that it was a garnishment on my wages and should not have been deducted from my bank account, however I advised them at that time that this was an account that had already been disputed and I should not be held responsible for this. I never received any type of court document or notification that they were even pursuing a garnishment because they sent it to the fraudulent address. A month after I spoke with them I received a notice stating that they were releasing the garnishment on my bank account so I had assumed that it was taken care of. However, on XX/XX/XXXX I received a notice to my address that they were going to pursue a garnishment on my wages once again. I did not apply for this account and I have never used this account they are trying to garnish me for. All of my credit cards have always been in good standing.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-09 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: National Credit Adjusters, LLC
State: OH

Complaint narrative:
This is my THIIRD TIME disputing this account : XXXX XXXX XXXX XXXX XXXX  # XXXX, XXXX XXXX # XXXX, NCA # XXXX. This account is fraudulent and I have no contract with this company. I do not recall doing business or applying for this account XXXX  XXXX XXXX  XXXX XXXX  # XXXX, XXXX XXXX # XXXX, NCA # XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAVALRY INVESTMENTS, LLC
State: FL

Complaint narrative:
To whom it may concern : I wrote Calvary a letter in regards to this debt that does not belong to me for {$4200.00}. They have not responded back to me I need for this to be removed from my credit report. Please see attached documents

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-09 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: MS

Complaint narrative:
got this loan in XXXX at XXXX done paid over XXXX still owe XXXX in XXXX 14 years later

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: NV

Complaint narrative:
This complaint is regarding account information below that has not been investigated and no information given. Its been over 2 months with no information given to me regarding these accounts. I have no knowledge of these companies and they shouldnt be reporting as I never gave permission for the reporting per Section 1681a -I sent correspondence to the Credit Bureaus regarding this. I was never notified in writing per 15 U.S.C 1692ag prior to accounts being on my credit report, within 5 days. Moreover, these accounts violate debt collections, abusive and unfair practices per section 1692f ( 1 ) adding additional amounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-09 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: Gold Star Finance, Inc.
State: TX

Complaint narrative:
I applied for an installment/ signiture loan online through the companies official website on XX/XX/2021. Today ( XX/XX/2021 XXXX ) I had called the location in which the loan was applied through so I can check the status/ follow-up with eligibility determination. Was given the option for a call back to speak further on application. XXXX the call back came and I was asked personal information for verification purposes, then I was asked how I heard of their company to which I stated the name of the person that reffered me and then was asked if we were related. We are not related but she is my Girlfriend. Then I was told she owes payments on her account with them, XXXX an account I have no affiliation with ) and wouldn't be able to be offered services until she pays what she owes..

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-09 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: ALLY FINANCIAL INC.
State: MI

Complaint narrative:
I made my XX/XX/2021 payment on the day that all of my loan payments have been due which is on the XXXX of the month. Ally financial reported this payment as 30 days late. I spoke with a customer service representative on the phone who confirmed that I made the payment on the correct day it was due but because the month of XXXX had 31 days in it I should have made the payment earlier instead of the day that it was due on. The customer service representative was extremely unprofessional on the phone. When I asked to speak with a manager I was told that the manager would tell me the exact same information and that I would be on hold for 35 minutes ; before I could even respond I was placed on hold only to be transferred to the incorrect department.

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 2021-08-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: U.S. BANCORP
State: NV

Complaint narrative:
My Fidelity Rewards Credit Card account was closed by the card issuer Elan Financial Services on XX/XX/XXXX. As shown in my account statement on XX/XX/26, I have made {$60000.00} in purchases before the account was closed. Per card member agreement, I am supposed to receive 2 base points per dollar spend. I have also signed up for the 50 % bonus points via an email that was sent to me on XX/XX/XXXX. Therefore, I should have received 3 points per dollar spent ( 2 base points + 1 bonus point ). I even charged all my property taxes to the credit card and paying over 2 % fees to the county on the assumption that I would receive 3 % back from the card. 

For the XX/XX/26 statement, I should have received XXXX {$60000.00} = XXXX reward points. 
However, the statement is showing that I received XXXX points. I messaged Elan Financial Services already but they refused to credit the rewards. Elan Financial Services claimed that " Once you or we close an Account for any reason, all accumulated Points are forfeited. '' Since the account was closed without my consent and was closed after those purchases were made, it was completely unfair to consumers. Elan Financial Services closing customer credit card accounts just after they earn a lot of rewards and then refuse to credit the rewards seems suspicious to say the least. I have attached both my Fidelity XXXX statement and the promotional points email to this complaint.

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 2021-08-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Good afternoon, Continuation from XXXX 1. Wells Fargo was instructed to pay {$100.00} M to customers that were Illegal Opening Unauthorized Accounts. The buolder in the case has been sued and has gone bankrupt. Mr XXXX from WF XXXX ID XXXX Office XXXX XXXX worked in house for the builder and forced me to close on the loan even though the loan was {$100.00}, XXXX over the true value of the property. I pleaded not to close with the builder and Mr XXXX and was threatened with litigation. I was forced against my better judgement and have sought disclosure of all the issues in the inception of the loan. 

2. I have paid all my payments on time, never late. Wells fargo did not act in my best interets in the begining and in 2017 changed the terms of the loan. So I sold the property. I have suffred a loss of {$100.00}, XXXX. XXXX Please hold the bank accountable. 

3. please esculate my case. Is the a litigeous option through your office for me to pursue this matter, or do you have a law group that you may recommend in Florida.

4 I will continue to pursue this issue. Please see WF response for XXXX Thank you 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 2021-08-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Kriya Capital, LLC
State: OH

Complaint narrative:
No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-09 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: SG and Associates
State: AZ

Complaint narrative:
On XXXX XXXX I got an alert on my credit report that a company by the name of SG and Associates added and account under my social security number. Total of {$630.00} this account was open XXXX XXXX. At XXXX XXXX XXXX XXXX in XXXX Arizona. This account is fraudulent because I dont have any idea when this account was open. I contact them this morning at XXXX XXXX and they explain to me what the charges are for.

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 2021-08-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Adjusters, LLC
State: NV

Complaint narrative:
Per tracking, Its been 2-3 months. No information given. Accounts unknown. Ignored investigation. Violates 15 USC 1692efg and 1681a never authorized or given permission for accounts report. On Copy, XXXX, Attorney General and FTC

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-09 00:00:00
Product: Debt collection — Mortgage debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: NOVAD Management Consulting, LLC
State: SC

Complaint narrative:
My husband and I had a modification done on our home in XX/XX/XXXX, my husband developed some health issues and could no longer work his part time job, we were happy to learn that we could qualify for a modification to bring our home mortgage down, unfortunately we were not given the full understanding of what this would entail. We are in our late XXXX 's and needed to refinance, we learned that the mortgage company has a lien on our title for XXXX XXXX dollars!! We believe we were duped by XXXX XXXX, we really thought that they were interested in helping us with this, but behind the scenes they used HUD and us to get funds that really benefited them. I have spoken to both the mortgage company and HUD, according to HUD it is all based on the mortgage companies standards for this amount. Had we been thoroughly informed that we would have been responsible for an amount like this we would not have gone through with this modification, they only lowered the bill by {$100.00}!!. I do not believe we should be responsible for paying them this money..Thank you, XXXX & XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-09 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: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
These accounts don't belong to me. Please remove them from all 3 credit reporting agencies. Please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies. 

1. Identity Theft XXXX Account Number : XXXX This is not mine. 

2. Identity Theft KOHLS/CAPONE Account Number : XXXX This is not mine. 

3. Identity Theft XXXX XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX This is not mine. 

4. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Rocket Mortgage, LLC
State: NY

Complaint narrative:
Rocket Mortgage sent a notification of servicing transfer later than required by statute. Thus, the notification was defective ( late ). 

In addition, Rocket Mortgage indicated ( via phone ) that no payments would be marked " late '' for 60 days. However, as of XX/XX/XXXX the new service has provided information in writing that a late fee will be assessed on XX/XX/XXXX. They have not provided a new account number of any other correspondence. 

Because of these defects, the loan transfer should be cancelled and the loan should stay with Quicken Loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Brightfunders, LLC
State: TX

Complaint narrative:
I initiated a refinance and during the initial call I was told a few things. 

Total fees would be {$3100.00} ( title : {$1500.00} & Origination {$1600.00} ) my total closing costs were {$5300.00}. 

I was told XXXX would purchase my points as a promotion. The closing disclosure has a charge of {$1500.00} charged to me. 

I was told I would be refunded half of the {$570.00} appraisal. I can only assume this is in " other credits '' on my closing disclosure but I don't know. 

Every time I questioned the closing docs the answer was " these things are always so wrong ''. 

This entire process was based on lies from agents working with XXXX. I believe this is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-09 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Trouble using the card to pay a bill
Company: Comerica
State: AR

Complaint narrative:
My social security benefits deposit on my direct express card every month on the XXXX. This month ( XXXX ) my money deposited as usual, however, it says my card is locked and I can not access any of my funds. I have been on the phone everyday for HOURS trying to get someone on the phone at direct express since the XXXX and can not get anyone to pick up. There are times where I haven held for 3 hours with no response. I am a low income individual and I have bills overdue now because I can not access my money. I need help Now and cant seem to get any from anyone.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-10 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: FL

Complaint narrative:
XXXX  ONLY responded with the info and history of the charge off. XXXX  DID NOT address the complaint and remove the Paid in Full charge from the 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 2021-08-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Rocket Mortgage, LLC
State: FL

Complaint narrative:
This is with the closing attorney. I used a broker and subsequently Quicken loans. From initial LE to final CD Section H always stated that the owners title insurance was optional. Day before closing now, keep in mind I told my broker in writing from the initial LE that I did not want owners title insurance and the fee is still on the CD. I called the title company and they stated " owners title insurance is optional, just not optional here at our company '' and now it's too late to start over with a new title company so I am forced to pay XXXX that was in all actuality NOT optional. 

This is a deceiving practice and unacceptable behavior by a law firm. I have it in writing now from the law firm, and he states all email signatures state it's not optional but a buyer doesn't correspond with title, the realtors and the bank do, had I known up front they would not charge this, I would have gone with another company to close the loan.

Company response to consumer: Closed with explanation