vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-05-14 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: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
I've reached out to this company about debt that they saying I alleged owe. They are reporting false information to the credit bureaus. This account is reporting duplicate on my credit report and that's illegal by law and caused severe XXXX upon me and my health. They saying it was sold or transferred but it still show up along with the company they sold this debt to which is XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: NC

Complaint narrative:
In Fall XXXX I received statement from county of the new value of my house, which shows equity is now above 20 %. I notified my mortgage lender, Mr. Cooper, to begin the process to remove PMI. I continued to ask for them to initiate the process to remove PMI. After five months they finally contacted me and advised within 10 days I would be contacted by an assessor as the next step in the process. Since the mortgage lender has been unresponsive to my earlier requests I expected this 10 days to lapse without any action, so now I'm trying other means to motivate them to remove the PMI, plus now I would like XXXX past months PMI reimbursed to me. 
XX/XX/XXXX - Requested the elimination of my PMI. 
answer : your request has been forwarded to department. Then nothing. 
XX/XX/XXXX - Reminded Mr. Cooper I am awaiting removal of PMI XX/XX/XXXX - Reminded Mr. Cooper I am awaiting removal of PMI XX/XX/XXXX - Reminded Mr. Cooper I am awaiting removal of PMI XX/XX/XXXX - Reminded Mr. Cooper XXXX am awaiting removal of PMI. This prompted Mr Cooper to call me finally. They initiated the process for an assessor to get a value of the house. Assessor was supposed to contact me within 10 days. 
XX/XX/XXXX - Assessor has not contacted me. Initiating complaint to CFPB. Also informing Mr. Cooper of this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-14 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: MO

Complaint narrative:
I contacted the bureaus and there is unverified debt on my report that's not mine. I have not supplied proof under the doctrine of estoppel by silence. Engelhardt v. Gravens ( mo ) SW 715.719. I Presume that no proof of the alleged debt, nor therefore any such debt exists. 

Here is the item : 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 2021-05-14 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
Back in XXXX of XXXX I was trying to make a payment towards my best buy credit card, during the process of payment the person that was processing my payment got very XXXX with me and cancel my credit card, witch it was in good standing since 2013. I try to contact the company in many occasions to request for my credit card to be reactivated and I got no where and in XXXX of XXXX I submitted a complained to the cfpb and it looks like nothing is getting done with the account. I need to resolved this issue as soon as possible Im requesting that my account be reestablished in full and to remove any late payment and feeds added to the 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 2021-05-14 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: DISCOVER BANK
State: DE

Complaint narrative:
On XX/XX/XXXX, XXXX talked to a person by name XXXX fraud Discovercard fraud division in dispute of charges made by XXXX in the amounts of {$14.00} XXXX made on XX/XX/2020 ) {$1.00} XXXX made on XX/XX/2020 ) and {$13.00} XXXX made on XX/XX/2020 ). Total of that those fraudulent charges was & XXXX. I deducted that amount from the total charge and paid the remaining amount on a due date. Discover instead of charging back those fraudulent charges, charged me {$5.00} interest on those fraudulent charges. today when I attempted to dispute those charges by talking to another person from the fraud division in XXXX by name XXXX, and another fraudulent charge made in the amount of {$110.00}, by XXXX with whom I do not have any relationship whatsoever and did not purchase anything from them. Again did not get any assistance in that fraudulent transaction. It appears that Discover card allows all types of fraudulent transactions to be charged to my account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-14 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: EQUIFAX, INC.
State: MO

Complaint narrative:
I contacted the bureaus and there is unverified debt on my report that's not mine. I have not supplied proof under the doctrine of estoppel by silence. Engelhardt v. Gravens ( mo ) SW 715.719. I Presume that no proof of the alleged debt, nor therefore any such debt exists. 

Here is the item : XXXX XXXX XXXX # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-14 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: Nicholas Financial Inc.
State: FL

Complaint narrative:
During coronavirus last year I made payment arrangements for my auto loan with Nichloas finacial. I have noticed that they added three late payments from last year. They have had different employees but I spoke to someone each time to arrange a payment with them. One of their employees set a automatic draft for the XXXX when I told them the XXXX because that is when I get a direct deposit from XXXX. XXXX. It was not my fault because of the arrangement that was made by their employee was for the incorrect date. I have previously disputed the late payments but have not been successful. Please help me to get them removed they are incorrect. I am a XXXX veteran and this has really affected my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-14 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: GA

Complaint narrative:
I attempted to purchase an item from an online account and used PayPal to pay for the item. Subsequently, I found out the account/seller was fraudulent and disputed with PayPal. They spent almost 60 days and in the meantime, the seller sent a fraudulent UPS notice that the product had been delivered to me. It never was delivered. 

PayPal sided with the seller and left me with no appeal process. 

I've tried to close my Paypal account and they won't even answer the phone or IM system. 

I'm convinced that I will never receive my money back and just want to close the account of this worthless organization. 

I will use my credit card directly in the future. 

I need your help in closing the PayPal account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-14 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Freedom Mortgage Company
State: CA

Complaint narrative:
On or around XX/XX/XXXX I accepted an offer from Freedom Mortgage. The offer was to move my interest from 3.25 % down to 2.375 %. I signed and sent Freedom Mortgage all documents they requested. 

On XX/XX/XXXX, XXXX XXXX XXXX my consumer advocate ) emailed me the following " I wanted to update you on your refinance : we are waiting on the subordination and should have another update some time next week. Nothing else is needed from you at this time. If you have any questions, my contact information is below. '' During the month of XXXX, I contacted my other mortgage company to help with the subordination process. XXXX XXXX mention they have a specific process to complete the subordination. XXXX XXXX emailed and faxed the information to Freedom Mortgage to complete the process. On XX/XX/21 I've also emailed Freedom Mortage ( XXXX XXXX the needed documents from XXXX XXXX to complete the subordination. 

Around XX/XX/21, XXXX XXXX from Freedom Mortgage contacted me to advise me that my consumer advocate is her going forward. Together, we reviewed my file and the complications that are being experienced. 

She was able to see that Freedom Mortgage had gotten all documents from me that are needed, also, that Freedom Mortgage had gotten the contact information from XXXX XXXX BUT Freedom Mortgage have not followed the requested process to complete the subordination. 

During this conversation, XXXX mentions that if this loan does not close in XXXX, then the transaction will be voided. 

On XX/XX/XXXX, I've spoken with XXXX. She advises me that she is no longer my consumer advocate. She claims that she had limited access to my file. She then transfers me to a regular customer service rep. 

The customer service rep shares with me that on XX/XX/XXXX my re-finance was denied because the subordination was not completed. 

I feel that this company is making an attempt to NOT close on the loan because I will pay more money to them by keeping the higher interest rate. I think they are purposely making this transaction complicated, confusing and being deceptive. 

THEY CALLED ME TO MAKE THE OFFER. THEY APPROVED ME. But now I want to complete the offer, they are trying everything they can to NOT close on this loan.

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 2021-05-14 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
On XX/XX/XXXX of 2021, I wanted to talk to XXXX  customer care for an app named XXXX and how I wanted to change it from an XXXX version to an XXXX version. But the XXXX had a fraud website as attached I called the customer care number on the fake XXXX website which popped up first in XXXX search that day and I was not so cognitively aware to differentiate between fake and real XXXX website and then they made me download some weird XXXX app which I was not able to deny because they were very tricky to hypnotize the brain attached is the fake website And they broke into my phone and kept doing taking out the money from my XXXX and chase savings account through XXXX XXXX XXXX and just told me to be on the phone while they were fixing the XXXX XXXX for me attached is the screenshot of the phone call which I was on for almost an hour After that, all I knew that I was fraudulently victim of losing my money from XXXX and Chase bank app XXXX were kind enough to resolve my issue timely and refunded the money as they investigated and found out that it was a fraudulent act but Chase bank gave me hard time A little back story about my health I am a XXXX survivor and STILL have a XXXX and XXXX XXXXt will attach my XXXX  injury card as well I am not having any job and no XXXX all I have is my savings but the scammers took $ XXXX from my chase bank and the bank is not giving me a proper response since last months. Please help me in this matter you are my last hope

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-05-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: PROSPERITY BANCSHARES, INC.
State: TX

Complaint narrative:
On XX/XX/2021 night time, I logged in to my Prosperity Bank app. I viewed my checking account and saw : IRS XXXX {$1400.00}. 

Seeing that XXXX {$1400.00} description made me think, Okay. The IRS deposited my 3rd stimulus payment. It was already deposited, so it should clear by morning. 

I downloaded a new stock trading app XXXX and entered in my bank account information. The app said depositing funds from my bank takes up to 5 days to complete. After a few days, I received a XXXX notification message saying my bank reversed my transfer. 

I never received any funds. I never had access to the funds. 

When my IRS XXXX cleared, Prosperity charged me {$35.00} and immediately charged me {$35.00} and took it from my {$1400.00} deposit. I never went negative, for how can I go negative if nothing was ever received? I never accessed anything. 

Both Prosperity Bank XXXX XXXX charged me {$35.00}. 

So Im being charged {$70.00} for being negative, when really prosperity reversed that transfer. 

Prosperity Bank XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-14 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: IL

Complaint narrative:
I recently called TransUnion on XX/XX/2021 to do a follow up concerning unauthorized inquiries.They told me theyll do a new investigation when they responded to my cfpb complaint but when I called they told me it wouldnt be a new investigation. 

TransUnion has failed to show any permissible purpose/proof under section 604 FCRA. 

I demand inquiries be remove/delete or I will be force to settle the situation in small claims court. 

Note*list of unauthorized inquiries will be downloaded in cfpb attach documents.

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 2021-05-14 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
i had my victoria secret account snce XXXX and when covid hit they placed me an a hardship program and they said i did it i didnt they investigated said it was there fault XX/XX/XXXX came around they closed my account no late payments paid my bill monthly they closed my account and said reapply once they messed up my account how can i reapply with the closing of the account with comenity bank XXXX and victoria secret how could i that is so wrong you guys need to get it together they said they can close it if they want they dont need a reason I HAVE BEEN XXXX BY COMENITY BANK

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-14 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: MI

Complaint narrative:
I have had a few installment accounts with XXXX and now a revolving account. I have been a loyal customer and have tried to rectify this to no solution with XXXX. I ended up submitting a complaint to the XXXX  and have still had no solution. This actually lead to even worse and completely inaccurate information being reported on my credit reports. They are reporting that I was 60 days late in XXXX of XXXX, and another report states I was 60 days late in XXXX. I had automatic payments set up and they claim my payment on XXXX was denied by my bank. My bank states there was never a charge attempted by XXXX in XXXX of XXXX. Regardless if they attempted or not, I never received notification of this and when I logged in to make a purchase noticed and immediately paid in XXXX. Even despite the error in the payment system I could not have been 60 days late in XXXX nor XXXX if the XXXX payment didn't come out correctly. The XXXX payment was processed correctly and paid. So in XXXX it wouldn't have even been past due more than 4 days as they state it was due the XXXX and reported on the XXXX. So this information being reported is inaccurate. They have since now reported a late payment on this account in XXXX of XXXX, 3 months after this account was paid in full and closed. 

In addition to these NEW reporting errors they also opened a dispute on my credit report on their revolving account which has nothing to do with the complaint or any others I have made. I didn't open the dispute and now it's on my report affecting my credit and possibly my mortgage underwriting. So not only are they incorrectly reporting now they have opened a dispute on a completely different account! It's sad this is how good customers are treated.

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 2021-05-14 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: DISCOVER BANK
State: IA

Complaint narrative:
There is a late payment from XXXX or XXXX of 2019 showing on my credit report from Discover. I was set up for autopay on my account and when logging into the discover app, it showed my payment had been made successfully and did not show me any issues with the payment. I did not realize there was any problem until after they reported it to the credit bureau. Once I was made aware of the late payment reporting on my credit report, I promptly fixed the banking information and paid off the account. If discover had reached out to me and let me know there was an issue, this would have been resolved much sooner. Instead, they kept trying the same payment information for 2 months without informing me the payments were not going through. 

When I call discover and ask them to remove this as this was their fault, they tell me to dispute it with the credit bureaus and they will remove it. However, each time I dispute this 30 day late showing on my credit report, they dont remove it like they promised. 

This single late payment showing up is keeping me from obtaining a mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: JTM Capital Management, LLC
State: IL

Complaint narrative:
XXXX XXXX is not mine but they are on my credit report

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-14 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: PA

Complaint narrative:
Hello, my name is XXXX XXXX, and I am contacting you because I was wondering why these fraudulent accounts are still showing up on my credit report. I already went through the dispute process and sent in all documents necessary 30 days ago. I sent in my ID, social, Identity Theft Report, I am wondering why it is still not off my report, can you remove it off my report completely.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-14 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Direct Recovery Services, LLC
State: SC

Complaint narrative:
They have called at least 6 times from various numbers in XXXX, MN but generally leave the same VM and number to call back. Voice mails are as follows : " Our client has recently give us the responsibility of reaching out to you on your obligation this is an important message from direct recovery services this is a call from a debt collector so please call us back at XXXX it is now Friday, XXXX of XXXX and we're open until XXXX XXXX this evening. Again, this matter is important so please contact me, XXXX XXXX, directly at XXXX. WE do have multiple resolutions that are possible. Do allow me to see if we can resolve the issue. '' ( called from XXXX XX/XX/XXXX @ XXXX ) " This is a confidential message for XXXX XXXX if you are not XXXX XXXX you must hang up now hello this is XXXX XXXX i'm calling to let you know we have a new options available on your matter please understand this is important in fact it's very important but you must respond if you'd like to resolve this today Thursday XX/XX/XXXX and I'll be here in the office until XXXX EST the phone number I can be reached at is XXXX our options are as follows on your balance of {$370.00} a 50 % settlement of {$180.00} a 55 % settlement and three payment to 65 % settlement ant 12 payments of {$20.00} settlements must be set up within the next two days call XXXX we are willing to work with you however we are also obligated to report back to our client. '' ( XXXX XX/XX/XXXX @ XXXX ) There are other voice mails as well : XXXX XX/XX/XXXX @ XXXX XXXX XX/XX/XXXX @ XXXX XXXX XX/XX/XXXX @ XXXX XXXX XXXX XX/XX/XXXX @ XXXX XXXX XXXX XX/XX/XXXX @ XXXX XXXX they ask you to go to direct recovery services, which is a spam site of direct recovery

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation