vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-10-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
Unauthorized inquires on my credit report I have contacted each company waiting for a delete and remove letter. 

XXXX XXXX XXXX Inquired on XX/XX/2021 XXXX XXXX XXXX Inquired on XX/XX/2021 XXXX XXXX XXXX Inquired on XX/XX/2021 XXXX Inquired on XX/XX/2021 XXXX  XXXX XXXX  Inquired on XX/XX/2021 XXXX XXXX XXXX Inquired on XX/XX/2021

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 2021-10-14 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
This complaint comes forth and I write this note to address an issue that leaves me in total confusion towards the actions of your Experian. I received a dispute response from them stating that I did not send supporting documents to my dispute of Identity Theft, yet not only did I send this information via certified mail on XX/XX/2021, I sent the same and an update of my FTC Affidavit on XX/XX/2021 via the CFPB direct portal, despite my initial appeal directly to them and my follow-up from this federal mitigating agency they continue to re-victimize and make this situation haunt my personal life.

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 2021-10-14 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: FL

Complaint narrative:
Issue is with mr cooper mortgage They gave me a loan modification trial back in XXXX of 2021 payment was XXXX I thought it was XXXX ipaid the first month and second the XXXX dollars then told i was in default because of the 5.11 short I called numerous times becauseI never or my attorney in case never received the actual documents for the amount requested I offered to pay the difference once i knew I was off the 5.11 They would not accept this They have since refused to help I have called for a supervisor many times without any response I feel during the height of the covid the paperwork wasnt transmitted properly and no customer servcie to help me I do not want to lose my house because of 5.11

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-14 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
On XX/XX/2021 I sent a letter re : inaccurate and unknown things on my credit report. It has been over 60 days and I have not received a response yet. I feel like I am being ignored and taken advantage of regarding my disputes. Section 611 ( a ) clearly states that a failure to investigate these items within 30 days gives reason to immediately remove those items from my credit report. It has been over 60 days so they should be promptly deleted.I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. This has really caused me a lot of stress and strain and I demand that these accounts be deleted immediately or I will file for litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-14 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
I sent a letter regarding inaccurate info and unknown things being on my credit report to Equifax 60 days ago.I have not received as response yet and seems as if my disputes being ignored

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-14 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: BAM Management US Holdings Inc.
State: KY

Complaint narrative:
XXXX : I wired {$10000.00} USD to my new BinanceUS account from my bank per BinanceUS instructions and using provided Ref Code. 

XXXX : My bank confirmed wire went through - I opened a BinanceUS Support ticket when the {$10000.00} did not post to my BinanceUS acct per BinanceUS stated service level. 

XXXX : BinanceUS Support replied via email requesting proof of wire transfer and BinanceUS Deposit Order Submission which defines the BinanceUS Ref Code. 

XXXX : I provided the requested documents via email reply. 

XXXX - XXXX multiple email exchanges with BinanceUS Support requesting that my {$10000.00} be returned to my bank. The money was never posted to my BinanceUS acct and has yet to be returned.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Late or other fees
Company: NBT BANCORP INC.
State: MA

Complaint narrative:
NBT Bank paid an ACH payment that came thru my account. I believe it was for a partial amt. At the time I was in the XXXX XXXX jail for a violation of my supervised release. The judge sent me back for 9 months. At which time I didn't realize I was over drafted. It wasn't until some time after I came home that I realized of the debt. I had contacted NBT Corporate because the branch was no longer open. I tried to make an offer to settle the bill, I didn't agree with why they charged me that amt. before closing my account. I had contacted the CFPB for guidance on the matter and asked what i could do I was told that I should offer a fair settlement and they don't except it then that's on them and it should be removed. So I offered the 50 % they didn't take it. I disputed it. The collection account was removed. After receiving the removal verification I still called NBT bank back to offer the 50 %. They refused. What I cant understand is why in a dispute it was removed. And it ended right back on my credit report. I would like to have the item removed please.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-10-14 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
State: PA

Complaint narrative:
I opened an account with paypal months ago and have made purchases with it, with no problem. Today, however, I sold an expensive plan locally. The person asked to pay with paypal and I allowed them to do so. They paid, then got in their car and drove away. Paypal decided to place a hold on the {$600.00} until I ship. But there is nothing to ship, they paid locally. I messaged the person and asked that they go onto paypal and marked the transaction as received but they just blocked me. So now they have my plant and the money. Then on top of that, paypal is now saying there is some issue with my account so it's frozen and I can't withdraw money. I've NEVER had another paypal account. I have had serious cases of identity theft, which has been reported. This is my first ever paypal account and now {$600.00} that I needed to pay for my dogs XXXX, to save his life, is not going to be given to me. Paypal is literally killing my dog.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-14 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: EQUIFAX, INC.
State: CA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-14 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: HUNTINGTON NATIONAL BANK, THE
State: MI

Complaint narrative:
I received a statement dated XX/XX/2021 for a savings account maintained at Huntington National Bank showing that for the months ending XX/XX/2021, XX/XX/2021, and XX/XX/2021, a dormant account fee of {$10.00} was debited from the account for each of those months ( {$30.00} in total ). The account balance prior to the debits was {$120.00} and year to date {$0.00} of interest was paid on the account, yet Huntington Bank saw fit to debit 25 % of the account balance nonetheless. I called them and asked them whether they could reverse the charges and what I needed to do to remove the 'dormant " status on the account for which the fees were charged and they replied, on XX/XX/2021, that there is no longer a dormant status ( but could not explain to me why that status changed since I haven't done anything with the account ) but that they could not return the fees. This fee in relation to the amount of interest paid and the account balance is usurious.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-10-14 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: GA

Complaint narrative:
Homeowner Assistance - Unfair Mortgage Practices Im reaching out for some guidance on where I can get assistance with Unfair Mortgage Practices and my search led me to the CFPB I have a second mortgage from XXXX  of XXXX ( 11.5 % ) that was needed at the time but ultimately forgotten about while it was on autopay ( horrible decision ) until I lost my job in XX/XX/XXXX. 
- The loan was for {$60000.00} which we paid $ XXXX/month diligently for 15 years. The balance is still {$51000.00} ... 84 % of the payment went to interest only. We have paid over {$100000.00} on this {$60000.00} loan already. - The maturity date is scheduled for this XXXX at {$51000.00}. 

I wrote Mr. XXXX XXXX, President and Chief Executive Officer of XXXX XXXX  XXXX XXXX XXXX, Select Portfolio Servicing, and the XXXX XXXX XXXX asking or better yet pleading for them to please reconsider my Short Pay Offer that was submitted to Select Portfolio Servicing. 

Asking them to Please consider the consistency in our payment history and commitment for over 14.5 years of managing and paying this completely unfair, deceitful, and borderline unethical/predatory loan arrangement. 

I was given forbearance in XXXX, XXXX, and XXXX then only offered an opportunity for a modification on the matured balance for $ XXXX/month for another 30 years at 6.34 %. That would still leave a maturity balance of {$31000.00} due on XXXX/XXXX/XXXX. I couldnt begin to wrap my arms around the pain of reading that offer. 

Short summary : A {$60000.00} loan at 11.5 % that has been paid for 15 years at {$590.00} a month with {$490.00} ( 84 % ) going towards interest and only {$98.00} going towards the principal. 
Totaling over $ XXXX+ already paid on a {$60000.00} loan.

o With a Total Balance including the Modification is now {$52000.00} After a very difficult two years, I outlined the financial and mental distress that my family and I continue to face during the pandemic. This year has been even more challenging with the inability to gain employment and my wife continuing her XXXX XXXX  with mounting Hospital Bills

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-14 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: EQUIFAX, INC.
State: NY

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Porania, LLC
State: IL

Complaint narrative:
There are fraudulent bankruptcies reporting on my credit reports

Company response to consumer: Untimely response
Consumer complaint received 2021-10-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
On XX/XX/2021 i received a credit card from Capital One Inc. Each month i made ACH payments. On XX/XX/XXXX, I scheduled a payment from my bank XXXX XXXX XXXX XXXX during so an error had happen where the payment was rejected and reentered several times through Capitol One application. I called and spoke to a representative and was informed let the process take its course and it will be adjusted. On XX/XX/XXXX i had a schedule delivery for a XXXX XXXX XXXX credit card also through Capitol One when i went to the app to activate said card it wasn't allowed. I then proceeded to call and spoke with an fraud specialist at that time the account was closed without any explanation. i was then transferred to another tier specialist. I was informed that the accounts were both closed due to fraud and there wasn't anything I can do or even an explanation. I asked about payments and balances and were informed I wouldn't have to pay anything because of fraud. I later seen my credit report and immediately lost XXXX points and received a three month late payment. I disputed and called to have been told there's nothing I can do.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Adler Wallach & Associates, Inc.
State: CA

Complaint narrative:
AWA COLLECTIONS XXXX XXXX XXXX I HAVE CONTACTED THEM WITH NO AVAIL. I WAS A VICTIM OF IDENTITY THEFT

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-14 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Funds not received from closed account
Company: Paypal Holdings, Inc
State: UNITED STATES MINOR OUTLYING ISLANDS

Complaint narrative:
I received an email from paypal telling me that they will closed my account after 180 days. 
" You can't use PayPal anymore. Reference ID : XXXX '' After 180 days the send all my money to their account about XXXX GBP. I feel like they scam me. Please help me get my money back and my account. 
Best Regard

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Unknown Inquiry on my credit report with Equifax. I've disputed this inquiry multiple times but its still on my Equifax credit report. 

XXXX XXXX  : XXXX- Card service Date : XX/XX/2020 XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Prosper Marketplace, Inc.
State: FL

Complaint narrative:
I XXXX XXXX entered into a consumer credit transaction with XXXX/PROSPER on XX/XX/2021. A consumer credit transaction in which a finance charge was involved. 15 use 1605 defines a finance charge as the sum of all charges in a consumer credit Transaction. The Finance charge does not include cash, but XXXX PROSPER Point took cash and monthly cash payment which is equivalent to a comparable cash transaction. 

Congress stated if I go and get a " loan '' and there is a finance charge involved, because I used my credit card, which is defined my social according to 15 USC 1602 ( i ) ; to do a consumer credit transaction, I'm not suppose to owe anything more than whatever the finance charge is. Whatever the finance charge is in connection to a consumer credit transaction should be the sum of all charges. There should be XXXX cash included. The charges should all be together, according to Congress. It is inseparable to the extension of credit. 

15 usc 1605 also states that the finance charge does not include charges of ANY type payable in comparable cash transaction. Being that monthly payments are being made/or have been made that is in fact a comparable cash transaction. 

Examples of charges which are included in a finance charge include any of the following types of charges which are applicable : ( 1 ) Interest, time price differential, and any amount payable under a point, discount or other system or additional charges. The 32.99 % interest listed in Exhibit A and Exhibit B is in fact false and misleading because It is suppose to be included in the finance charge. 

XXXX PROSPER also failed to provide or conspicuously disclose, my right to rescind. Which is in fact is a violation of subchapter 15 use 1635 ( a ) - Right of Recission as to certain transactions.

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 2021-10-14 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: AMERICAN HONDA FINANCE CORP
State: FL

Complaint narrative:
I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on AMERICAN HONDA FINANCE. Per FCRA, reporting must be 100 % accurate or the information must be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-14 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: ENOVA INTERNATIONAL, INC.
State: FL

Complaint narrative:
Netcredit obtained my information and entered me into a consumer transaction without my consent or knowledge Netcredit is in violation of 18 U.S. Code 1028A -Aggravated Identity theft amd 15 USC 1691 ( d ) ( 6 ) Netcredit does not have the right to the credit pull that 15 USC 1681b ( a ) ( 3 ) ( A ) grants a credit reporting agency I never applied for a loan and I have the capacity to contract since I am a natural person so you denying me my own credit is discrimination pursuant to 15 usc 1691 ( a ) ( 1 ).

.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-14 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: FL

Complaint narrative:
these accounts were fraudulently opened. this is stopping me from obtaining credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-14 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: FL

Complaint narrative:
these accounts were fraudulently opened. this is stopping me from obtaining credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-14 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: EQUIFAX, INC.
State: TX

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-14 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: R & B Corporation of Virginia
State: VA

Complaint narrative:
I started disputing with CREDIT CONTROL CORP on XX/XX/XXXX. They have never sent me any information about who they are or why they are on my credit. I have never applied for credit with them, and demanded authentication into that matter. IN XXXX I checked my credit and they ADDED a whole new account! They have never sent me any information at all. They have not responded to my requests for validation. They have added an additional account to my credit. They are repeatedly violating my consumer rights and I am very displeased about it!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Crown Asset Management, LLC, Duluth, GA Branch
State: CA

Complaint narrative:
Received court summons on XX/XX/ without prior notice and proof of claim, requesting that the office provide me with competent evidence that I have any legal obligation to pay. 
Request VALIDATION pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 { b }.

Company response to consumer: Closed with explanation