vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-11-20 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: Portfolio Recovery Associates, LLC
State: PA

Complaint narrative:
I recently challenged the validity of XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) - XXXX ( Collection ) account, XXXX XXXX XXXX ( Original Creditor : XXXX ) - XXXX ( Collection ) account and PORTFOLIO RECOV ASSOC ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) - XXXX ( Collection ) account that are being reported on my most recent credit report. Upon challenging this, XXXX ( credit bureau ) deleted the accounts based on the lack of ability to properly verify all reported information being accurate. I noticed as A result of challenging these accounts with your company you have verified this same account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-20 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: Consumer Adjustment Company Incorporated
State: DE

Complaint narrative:
I recently challenged the validity of XX/XX/XXXXXXXX XXXX Original Creditor : XXXX XXXX - XXXX ( Collection ) account and CONSUMER ADJUSTMENT CO ( Original Creditor :XX/XX/XXXXXXXX XXXX XXXX - XXXX ( Collection ) account that are being reported on my most recent credit report. Upon challenging this, XX/XX/XXXX( credit bureau ) deleted the accounts based on the lack of ability to properly verify all reported information being accurate. I noticed as A result of challenging these accounts with your company you have verified this same account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-20 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: National Credit Systems,Inc.
State: PA

Complaint narrative:
I recently challenged the validity of NATIONAL CREDIT SYSTEM ( Original Creditor : XXXX XXXX XXXX ) - XXXX ( Collection ) account, XXXXXX/XX/XXXX, XXXX XXXX Original Creditor : XXXX ) - XXXX ( Collection ) account and XX/XX/XXXXXXXX XXXX Original Creditor : XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX - XXXX ( Collection ) account that are being reported on my most recent credit report. Upon challenging this, XX/XX/XXXX ( credit bureau ) deleted the accounts based on the lack of ability to properly verify all reported information being accurate. I noticed as A result of challenging these accounts with your company you have verified this same account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am incredibly upset! My underlying reaction to the erroneous thing on my acknowledge report sent as expressed in a previous message on XXXX. Today is XXXX. Ordinarily by law, you should react inside 30 days. During these troublesome occasions, all of you have been given an augmentation which I comprehend. In any case, it has been well over the expansion period given. I have exhorted you on in excess of 3 unique events. I am beginning to accept this is a slow down strategy on you all 's end. I request your organization eliminate this mistake from my credit report or face suit. On the off chance that you don't eliminate this wrong data promptly I will document a formal complete with the FEDERAL TRADE COMMISSION! I am staying aware of the entirety of my records and types of correspondence with you on this issue just if there should be an occurrence of documenting a grievance with the FTC on the off chance that you keep on choosing not to collaborate. In XXXX  v. Trans Union XXXX., XXXX XXXX ( XXXX.XX/XX/XXXX ), you will be considered answerable for your choice not to not agree. My family and I are being compelled to pay higher loan fees and denied by numerous organizations when attempting to buy essential necessities to get by during this troublesome monetary period. In the event that your next reaction to me isn't a unique application with my mark on it or a letter expressing that the deceptive data that is disregarding the Fair Credit Reporting Act isn't erased I will proceed with my FTC grievance. As shown by the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by government law to affirm, through the real check of the principal stamped purchaser contract, all records that you post on a credit report. Else anyone paying for your itemizing organizations could fax, mail, or email in a bogus record. I interest to see clear proof ( i.e. : a unique purchaser contract with my mark on it ) that you have on the report for the record recorded underneath. 

Your failure to quite check these records has hurt my ability to obtain credit. Under the FCRA, wrong and mysterious data must be erased from a consumer 's 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 2020-11-20 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am incredibly upset! My underlying reaction to the erroneous thing on my acknowledge report sent as expressed in a previous message on XXXX. Today is XXXX. Ordinarily by law, you should react inside 30 days. During these troublesome occasions, all of you have been given an augmentation which I comprehend. In any case, it has been well over the expansion period given. I have exhorted you on in excess of 3 unique events. I am beginning to accept this is a slow down strategy on you all 's end. I request your organization eliminate this mistake from my credit report or face suit. On the off chance that you don't eliminate this wrong data promptly I will document a formal complete with the FEDERAL TRADE COMMISSION! I am staying aware of the entirety of my records and types of correspondence with you on this issue just if there should be an occurrence of documenting a grievance with the FTC on the off chance that you keep on choosing not to collaborate. In Wenger v. Trans Union Corp., No 95-6445 ( C.D.Cal.Nov. 14, 1995 ), you will be considered answerable for your choice not to not agree. My family and I are being compelled to pay higher loan fees and denied by numerous organizations when attempting to buy essential necessities to get by during this troublesome monetary period. In the event that your next reaction to me isn't a unique application with my mark on it or a letter expressing that the deceptive data that is disregarding the Fair Credit Reporting Act isn't erased I will proceed with my FTC grievance. As shown by the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by government law to affirm, through the real check of the principal stamped purchaser contract, all records that you post on a credit report. Else anyone paying for your itemizing organizations could fax, mail, or email in a bogus record. I interest to see clear proof ( i.e. : a unique purchaser contract with my mark on it ) that you have on the report for the record recorded underneath. 

Your failure to quite check these records has hurt my ability to obtain credit. Under the FCRA, wrong and mysterious data must be erased from a consumer 's 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 2020-11-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
Yes I contacted capital one about getting few payments deferred. Would nit work with me during corona viruses. I'm also on XXXX too. Plus have XXXX too. Going thru hardship. Need help.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: DISCOVER BANK
State: IL

Complaint narrative:
I have received a letter stating that I owe XXXX to a credit card company. They are seeking legal assistance. The letter was dated on XXXX of XXXX, and I received it on the XXXX of XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
The UNNAPPROVED weekly charges added by XXXX SHORTLY AFTER I XXXX XXXX ; AND MORE ADDED IN XX/XX/XXXX caused a banking balance system trip. THIS IS A COMMON OCCURENCE, THE WEEKLY RECURRING SUBSCRIPTION CHARGE IS A 'BURNER ' TO BANKING ACCOUNTS. THE SOFTWARE I SIGNED UP FOR WAS ONLY FOR A WEEK TRIAL. I HAD AUTORENEW, BLOCKED ON MY ACCOUNT, AS SEEN IN SIMILAR SUBSCRIPTION TRIALS AT XXXX. PEOPLE ALSO ran hotel fees and caused BALANCE reporting delays. Ultimately, the recurring weekly fees stopped the system as they misreported the account. THEY THEN CLOSED MY ACCOUNT WITHOUT ALLOWING DISPUTE CORRECTIONS. THESE ACTS CAN BE TRACED TO THE INDIVIDUALS INVOLVED. 
THERE ARE incorrect/3rd party notifications and, incorrect balance ; leading to charge decline s at POS. I am always aware of my actual balance. There is a wire transfer from XXXX XXXX XXXX for {$10000.00} confirmation XXXX XXXX XXXX ACCT XXXX I have not received this transfer. There are many XXXX refunds. Total ing {$4000.00}. I have confirmation of these refunds ; but ; they were not reported. I have XXXX in my account in XXXX. I know incorrect reporting has caused my entire balance to be inaccurate. Also a refund from XXXX XXXX for {$3200.00} was not reported. I have email confirmation of all refunds and the wire transfer. They were never reflected on my Wells Fargo account. Please insure my deposits. My account number : routing : XXXX account : XXXX Thank You, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I HAVE A PDF DOWNLOADED FILE OF THE ENTIRE BANK STATEMENT. IT SHOWS RECURRING CHARGES ON ALMOST EVERY LINE. I DID NOT AUTHORIZE THESE. unauthorized people WERE USING MY FUNDS THE ENTIRE TIME. NOTE, THERE FOOD CHARGES FROM THE START IN XX/XX/XXXX ; I DID NOT EAT AT THESE PLACES ; NORE WOULD I SPEND {$190.00} AT A XXXX. THERE IS A {$3000.00} SMOKING FEE. THEY BLATANTLY MISREPORTED TOTAL BALANCE. XXXX PARKING ATTENDANTS ALSO INVOLVED. 
I HAVE HAD {$55000.00} STOLEN SINCE XX/XX/XXXX. {$32000.00} SHOULD BE MY BALANCE. BUT EVERY CHARGE WAS MANIPULATED. I AM PULLING THE STATEMENTS FROM XXXX ON. AND MY XXXX EARNINGS DEPOSIT AFTER I WAS LAID OFF IN XXXX. THAT WAS DONE BY THE SAME. I PAID ALL OF MY BILLS FORWARD WITH IT. MY CREDIT WAS BACK TO XXXX BEFORE THEY BEGAN BLOCKING ALL OF MY INCOME SOURCES .THIA WILL ALL BE RESTORED WITH AUTOMATION. IT IS IMPORTANT TO CHECK YOUR ONLINE STATEMENTS REGULARLY.

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 2020-11-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NY

Complaint narrative:
I started a refinance application with HSBC on XX/XX/XXXX and was approved a few days later with a rate locked in. Over the next several weeks, I went through the lender 's process and provided documents, worked with them to get an appraisal, and kicked off the refinance process with my home 's management company. 

I was informed that everything was complete on my end on XX/XX/XXXX when I delivered the signed, and executed recognition agreements to the law firm representing HSBC. My experience up to this point was disappointing due to poor communication and lack of updates from my mortgage lender, but it continued to get worse and worse after submitting the recognition agreements. 

From that point, I stopped getting updates from HSBC and only got one email each week with a document to extend my rate lock which is paid for in points. Since I turned in my recognition agreements on XX/XX/XXXX, I was required to sign 6 rate-lock extensions raising my APR by around 0.5 %. 

Today, my mortgage broker finally reached out to me with an update only to request me to pay another questionnaire fee ( {$300.00} ) that I had already paid on XX/XX/XXXX. My only guess is that due to the lender 's slow processing times and negligence, some documents expired and they are pushing the cost on to the borrower. 

Overall, I have been extremely disappointed in my experience working with HSBC. I would not recommend them to any friends or prospective borrower.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-20 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: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I have disputed on 3 different occasions with this company to validate the erroneous accounts in question. I have certified mailed them a envelope with enclosed proof of my identity, proof of address, along with the erroneous accounts around XX/XX/20 they received it on XX/XX/20 2nd time was on XX/XX/20 they received it XX/XX/20. 3rd time proof was sent out on XX/XX/20 they are expected to receive it by XX/XX/20. All except for the last one have not received a response via the mail at all i am still waiting. Ive also sent information online via the CFPB portal to this company twice which the response was that this request was not sent on my behalf.Its been beyond 45 days since initial contact with the company and my follow up responses with them. I believe that this company does not abide by the laws of the Fair Credit report Act so i have no choice but to seek litigation. 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 2020-11-20 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: U.S. Auto Sales Inc.
State: SC

Complaint narrative:
Owe {$9100.00} on a repossession started in XX/XX/2019 Called US Auto about a repossession to try to settle and continued to get transferred to different departments because no one could find any info on my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-20 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: JPMORGAN CHASE & CO.
State: SC

Complaint narrative:
I applied for the Chase XXXX XXXX card because of the 0 % interest rate on balance transfers they offered in at least 3 mailers inviting me to apply for the card. I applied for the card on XX/XX/20, was approved for the card on XX/XX/20 after sending additional documentation and calling Chase. I received the card on XX/XX/20 and called to get my account set up and card activated on XX/XX/20. When I logged on, I did not see an option to execute a balance transfer anywhere on the site, so I called back. I was told by 3 different representatives that there are no balance transfer offers on my account at this time and that there is nothing they can do about it. The third person I spoke to told me I could eventually have an opportunity to do a balance transfer in the future if their marketing team invited me. 

I applied for this card solely for the balance transfer offer. The 0 % interest rate on my other business account expires on Wednesday, XX/XX/20, so I thought I would have plenty of time to initiate a balance transfer by applying on XX/XX/20, but now, Chase is telling me that's not an option for me. They used false advertising to lure me into an offer they never planned on giving me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-20 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION
State: PA

Complaint narrative:
My mother opened an account for me with a XXXX XXXX XXXX branch in XXXX in 1975. I found the XXXX XXXX after she died but I can not get any information on what happened to the funds in the account. It was @ {$4500.00}. XXXX XXXX was bought by BB & T. BB & T told me they do not have the account. I tried PA unclaimed property as well as FDIC.

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 2020-11-20 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Choice Recovery, Inc.
State: FL

Complaint narrative:
I received a notification through one of my credit monitoring apps that a negative mark had been placed on my credit report. I immediately checked and the only information reflected on my report was that it was a collection notification from Choice Recovery. I have excellent credit ( just purchased a home and vehicle without any issues ) and I do not owe anyone any outstanding debt. I believe this is an inaccurate notification on my credit report by Choice Recovery in that I have never received any written notice or telephone notice regarding a debt owed by Choice Recovery or any other creditor. I believe this is either an honest mistake by Choice Recovery or a blatant disregard for the Fair Debt Collection Practices Act and the Fair Credit Reporting Act and violates my rights under both by not sending any form of debt validation requirements under these statutes.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-20 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: CITIBANK, N.A.
State: TX

Complaint narrative:
XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX XXXX Date of payoff. XX/XX/XXXX BEST BUY/CBNA Date of settlement payoff XX/XX/XXXX Ive challenged this account several times with no response. This account does not belong to me as I have never had XXXX XXXX. I have provided proof of this as well as submitted FTC affidavits, yet it is still reflecting on my report. IT NEEDS TO COME OFF XXXX  and Best Buy were both paid off in a settlement with the agreement that those accounts would remove them from my report. 

These are a list of Inquiries on my report that I have no knowledge of. I have never applied for jewelry financing and I have haven't bought a car since XXXX yet there are a list of Auto Financing inquiries on my report.. 

XXXX XXXX - XX/XX/XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX - XX/XX/XXXX XXXX  XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX  XXXX XXXX  XX/XX/XXXX XXXX  XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX  XXXX XXXX Finance/Personal XX/XX/XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX - XX/XX/XXXX XXXX  XXXX XXXX Jewelry/Cameras

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Rocket Mortgage, LLC
State: IN

Complaint narrative:
On XX/XX/2020, I logged into my account on www.rocketmortgage.com. I was greeted with a popup message stating that if I paid {$3500.00} against my principal owed, my Loan to Value ( LTV ) ratio would be 80 % and I would no longer be required to pay Private Mortgage Insurance ( PMI ). On XX/XX/2020, I made the payment of {$3500.00} and waited for the PMI to come off of the loan. On XX/XX/2020, I checked my account to find that the payment was applied, my LTV percentage was now at the required 80 % but I was still paying PMI. That same day ( XX/XX/2020 ), I called Rocket Mortgage customer support. The first time I called, I was hung up on after requesting the PMI removal. I then called again and got representative XXXX XXXX. I told XXXX the situation and she informed me that she could take it off but I would need to pay a {$150.00} fee right then over the phone. Not a loan payment, just a {$150.00} fee to remove the PMI. This fee is not stated on the initial popup at all. I feel like the popup is a way to get people to pay this fee. This seems like a very shady business practice and possibly illegal. I would like my {$150.00} back.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-11-20 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Block, Inc.
State: MI

Complaint narrative:
On XXXX XXXX, 2020 I sent my friend XXXX XXXX three translations through CashApp A ) {$1400.00}, B ) {$1400.00} and C ) {$1400.00}. CashApp confirmed XXXX receiving all three translations. XXXX confirmed receiving A and B transactions. I requested a refund for transaction C and I havent received any refund. I then contacted CashApp support requesting help on my refund and was informed that XXXX would need to contact CashApp support and ask for assistance in locating transaction C. XXXX contacted CashApp support several times. He was informed that CashApp is unable to locate transaction C for him to contact me and verify I sent transaction C. My credit union and CashApp confirmed all three transactions, while telling XXXX they can only confirm transactions A and B. It appears to me they are trying to run the 30 day clock out and then possibly say its been 30days nothing they can do. I have all the corespondents from CashApp support that have been sent to XXXX and I. I just want transaction C refunded. Dealing with CashApp support via email has been frustrating. Their first paragraph of their reply always sounds helpful its the rest of the communication is total XXXX.

Company response to consumer: Closed with explanation