vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-05-18 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: VA

Complaint narrative:
On XX/XX/XXXX I send a letter to the credit company 's standing that my bankruptcy was placed on my credit, not by the courts, and need to be removed. The letter attached from the US court stating they do not report to the credit companies.

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 2021-05-18 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: LEXISNEXIS
State: VA

Complaint narrative:
On XX/XX/XXXX I send a letter to the credit company 's standing that my bankruptcy was placed on my credit, not by the courts, and need to be removed. The letter attached from the US court stating they do not report to the credit companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-18 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Kriya Capital, LLC
State: CA

Complaint narrative:
Time barred on my debt is now 5 years and I have made several attempts requesting it now be removed from my credit report. The creditor re-started the date to XXXX after my request for removal from my credit report since the statue of limitations has ran out on collecting or suing me. Every attempt I have made is being said valid and it stands and I don't understand how when the debt occur XX/XX/XXXX but on my credit reflects XXXX as it recent and that is untrue. I just want it removed and I'm tired of going back and fourth with the collection company. Can you please help? they are XXXX XXXX XXXX XXXX XXXX XXXX, XXXX TX XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Problem with customer service — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
TransUnion date : XX/XX/21 Transunion was very rude when I called about my unauthorized inquiries on my credit report that I did not authorized. I really need your help in resolving this issue. Transunion seen to be no help and didnt care about what I needed to get fixed.

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 2021-05-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: FIRST REPUBLIC BANK
State: NY

Complaint narrative:
I applied for a mortgage with First Republic Bank for the amount of {$470000.00}. I was approved for the mortgage and received a disclosure containing a rate of 2.85 % for 360 months. The rate contained in this disclosure was contingent upon opening a non-accruing checking account with First Republic and maintaining a balance no less than 10 % of the loan amount or {$38000.00} for 2 years, with the loan amount being {$380000.00}. A subsequent disclosure was dispatched detailing an interest rate of 3.1 %, a modest increase, but one that carried significant repercussions over the lifetime of the loan. The initial dispatch of the preferential disclosure was alleged by a bank representative to be a 'mistake '. 

It was later revealed to me further along in the process that in addition to maintaining a balance of {$38000.00} for two years, that I'd need to switch my direct deposit to use this account, as well as opt into automatic payments from this account for the monthly principle and interest. This treatment effectively ensured that I'd need to terminate my relationship with my current primary bank, which I ended up doing. 

As a first time buyer with a credit score exceeding XXXX with all reporting agencies, I was surprised by the onerous terms imposed upon me in order to secure this mortgage. I have never in my financial history declared bankruptcy or defaulted on a loan. These requirements effectively nullify the benefit of securing the preferential rate, as the required balance loses significant value to depreciation to in the first 24 months of the mortgage.

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 2021-05-18 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: MD

Complaint narrative:
Please see the attached screenshot that show very serious incorrect balance and payment history recording from my closed mortgage account. The loan was service transferred on XX/XX/XXXX. At that time it had a balance amount of {$190000.00} - There was never a loan balance of {$190000.00} since the transfer date of XX/XX/XXXX. 

Also at that time of transfer the loan was CURRENT with a {$190000.00} balance. There was a first payment of {$1400.00} that was recorded on XX/XX/XXXX - the following payment of {$1400.00} was recorded on XX/XX/XXXX - with a third payment of {$1400.00} being recorded on XX/XX/XXXX. XXXX. And our records that are also supported by the monthly statements will show a consistent and on time payment history that started on XX/XX/XXXX with the last payment made of {$1400.00} being recorded on XX/XX/XXXX. So it would be great if we could get the reporting to show 17 consecutive payments starting with XX/XX/XXXX to XX/XX/XXXX XXXX last payment before second transfer ). The loan was once more Service Transferred on XX/XX/XXXX, with payments then being sent to the new loan Servicer starting on XX/XX/XXXX. 

Since the XX/XX/XXXX loan Service transfer date, we have made 20 CONSECUTIVE mortgage payments that were all made within the 15 day grace period.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CrossCountry Mortgage LLC
State: IL

Complaint narrative:
XX/XX/2020 Returned check reversal - long form {$2400.00} Mortgage Company Error that took our payments messed up our payment schedules Check was returned for no good reason. 
This took our account out of balance, Since then we were charged with XXXX additional late fees because we thought we were ahead of schedule. 

Contacted bank several times spent hours trying to get through in which we were disconnected several times after asking to speak to a supervisor because they would only waive one fee that still hasn't been waived after they agreed to waving it. 

Asked them for the amount need to remove the PMI from our mortgage but they could not answer that question. We finally got a letter stating that I am not eligible to have the PMI waived. Says we were over 30 - 60 days late on payments which was not true. This was all stemming from the account error returned check back in XXXX less than 1 month after I closed on my new home.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-18 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
Good Day, This is my second time to report all three credit bureau 's .I have disputed these items over many times already and they still remain. so I'm reaching out because I tried formally disputing inaccurate and incorrect information that was reporting on my personal credit file. I feel like I'm being taken advantage of and being ignored of my disputes.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
We were in the process of refinancing our home and current creditor ( XXXX XXXX ) let us know their was a current loan affecting available refinance rates. Loan was from XXXX XXXXXXXX XXXX in the amount of $ XXXX. I do not have any outstanding loans currently and thats how i found out i have an unauthorized loan under my name. I contacted XXXX XXXXXXXX XXXX and was able to obtain the following information regarding this unauthorized loan. Name for Loan : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Amount : {$36000.00} ( they have paid $ XXXX of the loan and the outstanding balance is $ XXXX ). 
Account # : XXXX. {$1100.00} Monthly payment i want to go about all the channels available to us to make sure we report this fraud and have it removed from my account. Thank You.

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 2021-05-18 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
XXXX  closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for months but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used XXXX  quite frequently. My email linked to my XXXX is " XXXX ''

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-18 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: MS

Complaint narrative:
I am XXXX XXXX. I am the consumer filing this complaint and I give my authorization to the company to provide mt credit file and whatever information is necessary to rectify these issues without me having to explore legal options. Over the past year or so I have repeatedly initiated multiple factual disputes on accounts reporting incorrectly on my credit report and requested immediate deletion of these accounts due to Experian reporting errors and FCRA violations after I notified them of these errors preciously. These inaccurate Accounts remained on my credit file after multiple disputes. I sent in 2 method of verification letters for an explanation on how these accounts were verified as accurate and whom they verified the information with. They have not provided this information for any of the accounts I've disputed. 

Experian had 15 days to respond to my 2 method of verification requests. My requests were ignored. I recieved dispute results dated XX/XX/2021 with the same errors and FCRA violations being reported previously. Clearly there is no human investigation going on and that this process is automated. As the consumer, per FCRA my credit file is supposed to be 100 % complete, verifiable, and accurate. I would like to demand that the following accounts being reported incorrectly be DELETED from my credit file IMMEDIATELY. XXXX. XXXX XXXX XXXX because method of verification was not received from the credit agency and notice of dispute status was not entered after 30 days of the dispute. 2. Dept. Of Veteran Affairs ( 3 accounts ) because method of verification was never recieved, notice of dispute never entered, accounts are not reporting the same date of last payment or account rating info across all 3 credit reporting agencies, and accounts show late payments when there was not contract ever signed for these debt amounts. Please delete immediately from credit file. 3. Dept. Of EdXXXXXXXX  ( 4 accounts ) because requested method of verification was never recieved, account is missing notice of dispute status, All 4 accounts are reporting 90 day late payments with no prior 30 or 60 day late payments immediately prior. This is a FCRA violation. Proof of missed payments never supplied by Experian. Please delete this account immediately! Per FCRA E OSCAR verification is not sufficient.

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 2021-05-18 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: The Law Offices of Jennifer McCoy, PC
State: ME

Complaint narrative:
XXXX closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for months but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used XXXX quite frequently. My email linked to my XXXX is " XXXX ''

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-18 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: MoneyLion Inc.
State: CA

Complaint narrative:
I noticed that 4 charges were taken from my XXXX XXXX account 15 days ago on XX/XX/XXXX. This is that latest in a string of identity theft issues I have been having. I then used an unofficial credit report and noticed an {$890.00} loan in my name. 

Since then, I have been trying to contact the Fraud Department with XXXX XXXX. On XX/XX/XXXX, I was informed over the phone that the Fraud Department will get back to me by closing of business. Hearing nothing that day, I informed Money Lion on XX/XX/XXXX that if I did not hear back from them by closing of business, I would have to contact the CFPB. 

I heard back with a request for information soon thereafter. I replied to that request and travelled for work. Upon my return, I discovered that on XX/XX/XXXX, Money Lion had deemed the account non-fraudulent and closed the inquiry. 

To corroborate their claim, they sent me a loan agreement that had been " signed '' in standard computer font. 

I fear that I am unable to progress on this issue and that if this situation is not resolved soon, I will be charged again for this loan. 

This loan is also negatively impacting my credit score. 

I am attaching confirmation of a police report. At this time, I am unwilling to purchase a product so that I can get my money. That seems unreasonable. If MoneyLion wants my police report to help me with this fraud issue, they can buy it from the XXXX Police Department themselves. 

I am also attaching PDFs of an e-mail chain for a related fraud issue from So-Fi money, such that you can see that this is an ongoing issue. 

I am also attaching bank statements showing the money withdrawn. I am attaching a transaction list showing the reversal. 

Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: United Resource Systems, Inc
State: CT

Complaint narrative:
This account had no record that ever belonged to me with these authorities/leasers. I tried to contact them and ask for proof of ownership but they failed to send me the necessary documentation to prove that I really own this account.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-18 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
PayPal closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for months but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal is " XXXX ''

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-18 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/2021 at approximately XXXX XXXX  in XXXX, GA, I purchased multiple items from XXXX XXXX XXXX XXXX, by a sales person named XXXX XXXX. However on the receipt there is no charge for the items and there is a charge for {$1200.00} for the sales person XXXX XXXX. This in itself is fraud because the person who charged for the item is selling himself and not the item. The items however, had a {$0.00} figure next to the amount charged for the item. The items were defective so I contacted the seller/customer support to return the item. 

When I attempted to return the item to the sales person XXXX XXXX, he told me that I could return the item for a full refund if I brought the item back. 

The customer service messaged me saying that they would provide a full refund if I would sign a document which I did. 

When i attempted to return the item they would not give back my money. The company to date has not refunded any money to me. I am extremely upset and is rightfully determined to receive my money back from the merchant. 

I researched the company online and saw that there are multiple bad reviews speaking that the company is a scam and fraud and do this to multiple people. 

Thank you for your anticipated courtesy and cooperation in this matter. If you have any questions or concerns please contact me directly at the number above.

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 2021-05-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
This regards my Citibank credit card. 

I received a call in early XX/XX/2021 about a fraudulent charge on my account. Citibank said they were cancelling the card and sending a new one. I was traveling at the time, so I asked them to send the new card to my temporary address in OR. They agreed. 

However, the card never came. I spoke to another representative who said -- oops, they sent it to CA instead. They'd cancel that card and send a new one instead. This one would be sent to OR. 

Still, it didn't come. I contacted Citibank 2 more times, and they said I hadn't waited long enough. It had been definitely sent to OR. I just had to wait longer. However, a month later, the new card never came. 

At this point, I checked at our old address in CA, and sure enough - there were 2 cards there. Citibank had never sent a card to OR after all. They also didn't cancel the old card before sending the new card -- all the cards they sent had the same number. 

I tried to reach out to Citibank again to check how many cards were out there with the same number. I don't know what they sent where, and I'm worried someone else could get their hands on one of the extra cards. However, I can't get an answer from anyone. 

I am very frustrated. I have spent many hours on the phone and chat with Citibank, with great frustration. None of the representatives can give me accurate information. Also, the representatives refuse to transfer me to a manager. I am completely stuck.

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 2021-05-18 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc.
State: CT

Complaint narrative:
I do not have a record of this account that ever belonged to me. I've requested on various occasions to send verification from the proprietorship however they haven't agreed to my solicitation yet.

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 2021-05-18 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: NV

Complaint narrative:
I filed a dispute in regards to the, incorrect files on my credit report and its been well over 30 days and I haven't received any investigation results.

Company response to consumer: Closed with explanation