vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-06-19 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: MA

Complaint narrative:
On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. II feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-19 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: PNC Bank N.A.
State: NJ

Complaint narrative:
I originally entered into a FHA loan with PNC Bank along with my son for a mortgage but there were financial problems so a loan modification was granted by PNC. I chose not to participate in the loan modification with PNC Bank but my son entered into an agreement for a loan modification with PNC alone ( by himself ) and he gave me evidence of the loan modification. My son also legally removed my name from the deed to the house when the loan modification was in place. The date of the loan modification is XX/XX/2017, and the information is still showing on my credit report from PNC as having a mortgage. The inaccurate information is effecting my credit and has prevented me from obtaining housing.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
Scheduled Payment on Citi bank credit card app for XX/XX/XXXX however due to some glitch in the APP the payment defaulted to XX/XX/XXXX as XX/XX/XXXX was a Sunday. I was charged late fee plus interest. I called customer service and the representative acknowledged the glitch and transferred me to a supervisor. Unfortunately supervisor was rude and hurled XXXX expletives and forced me to close the account without waiving the fees. I Sent email and website based complaints to Citi bank however never got any reply. I paid the final bill on XX/XX/XXXX to the tune of {$1300.00}. 
I am getting hounded by the Citi folks for last one month that I have pending balances and they are piling up the late fees which per them is now {$31.00}. 
I am perplexed at the audacity of this company who have not even replied to my concerns and instead keep on calling from different numbers sending texts and making my life miserable. I am a XXXX XXXX and being hounded like this for no reason is uncalled for unacceptable.

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 monetary relief
Consumer complaint received 2021-06-19 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: Experian Information Solutions Inc.
State: MA

Complaint narrative:
I tried to refinance my vehicle and was denied, the bank told me I had an unresolved charge off with XXXX XXXX. I contacted them and they said I had to contact who bought the debt and they would update my credit report. I contacted Velocity and they said they can not update my report but will send me a release of claim showing my payment and the account is paid and settled. I sent that to Experian for review. They did not update the status of my account to Paid in Settlement, it still shows closed and written off.

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 2021-06-19 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: GA

Complaint narrative:
There are multiple accounts on my credit report that are not mine

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 2021-06-19 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: CA

Complaint narrative:
There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be cause by fraud or error on credit reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-19 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: NY

Complaint narrative:
Experian Credit reporting agency is not following the law. Per section 609 I am entitled to see the contract I signed and for the creditor to validate the debt. No documentation gets provided to me and the disputes keep getting closed. Send me proof that I owe this debt or delete it from my record.

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 2021-06-19 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: NJ

Complaint narrative:
I originally entered into a FHA loan with XXXX XXXX  along with my son for a mortgage but there were financial problems so a loan modification was granted by XXXX. I chose not to participate in the loan modification with XXXX XXXX  but my son entered into an agreement for a loan modification with XXXX alone ( by himself ) and he gave me evidence of the loan modification. My son also legally removed my name from the deed to the house when the loan modification was in place. The date of the loan modification is XX/XX/2017, and the information is still showing on my credit report from XXXX as having a mortgage. The inaccurate information is effecting my credit and has prevented me from obtaining housing.

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 2021-06-19 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Phoenix Financial Services LLC
State: FL

Complaint narrative:
This account is a reinsertion that was put back on my credit report. They sold my account to another debt collection agency after removing it from my credit report. This account was put back on my credit report this month of XXXX from XXXX XXXX XXXX XXXX. They are also partnered with XXXX XXXX XXXX and sold my account to them. I sent them a letter back in XX/XX/2021. According to the FCRA they have 30 to validate my debt and if they do not this account have to be deleted due to a violation. That's what transpired. The account was deleted from my credit report. I have the copies of the letter and also have the certified receipt. As of XXXX of this month this account was put back on my credit report. They sent me a bill of this account with a new creditor Phoenix Financial services instead of XXXX XXXX XXXX and have the original Creditor XXXX XXXX XXXX XXXX. That's when I realized XXXXXXXX XXXX XXXX  sold this account. I was never notified although the bill says second request. I demand a deletion of this account from my Credit report. Also they never had my XXXX XXXX XXXX XXXX address to even send me a second request. I was never notified. That's how I also know XXXX resold my account to them. Due to sending out the first letter back in XXXX 2021.Thanks for your assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-19 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: Lending Club Corp
State: MA

Complaint narrative:
I tried to refinance my vehicle and was denied, the bank told me I had an unresolved charge off with Lending Club. I contacted them and they said I had to contact who bought the debt and they would update my credit report. I contacted Velocity and they said they can not update my report but will send me a release of claim showing my payment and the account is paid and settled. I sent that to XXXX  for review. They did not update the status of my account to Paid in Settlement, it still shows closed and written off.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-19 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: YSA ARM LLC DBA Oxygen XL
State: NY

Complaint narrative:
XXXX  Credit reporting agency is not following the law. Per section 609 I am entitled to see the contract I signed and for the creditor to validate the debt. No documentation gets provided to me and the disputes keep getting closed. Send me proof that I owe this debt or delete it from my record.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: JPMORGAN CHASE & CO.
State: SC

Complaint narrative:
All of my credit card accounts were abruptly closed by Chase for an unknown reason and with no explanation. I have never been late on any promised payment schedule and have paid all of the accounts off except one that has a small balance and all payments are current with that. My complaint is ; Chase has turned into a bully and has reported that they closed all the accounts ( that is fine ) and then falsely reported that the accounts were settled for a lower amount. ( THIS IS FALSE! ) Chase is also claiming my credit score went down and posted a fake score of XXXX on their " credit journey '' using a score supposedly from XXXX XXXX  website. When I check my score with the XXXX XXXX website my score is XXXX. 

( From Chase ) - '' Settlement XXXX XXXX  It looks like your XXXX XXXX account was either settled on XX/XX/2021 for less than the balance or closed because you haven't used it in awhile. '' I have had a perfect payment history with Chase and for reasons that I don't know ; my accounts are closed and I am fine with that but I demand they remove ANY damaging reports regarding my previous accounts and update ALL THREE BUREAUS accordingly.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-19 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Company closed your account
Company: Chime Financial Inc
State: MD

Complaint narrative:
XX/XX/2021 I ordered some stuff from XXXX on my XXXX  account I transferred XXXX from my savings account which lifted it at XXXX USD my spending account had XXXX USD left over after my purchase at the store I wake up XXXX XXXXXX/XX/2021 and I CANT LOGIN IN MY CARD DECLINED FOR XXXX USD so I try calling chime bank its like Im blocked Im constantly sending them emails they not responding I have XXXX  kids and only the XXXXUSD IN MY POCKET LUCKILY WE HAD FOOD BUT CHIME NOT EVEN RESPONDING TO MY EMAILS NOTHING I NEED MY MONEY THATS ALL NOBODY WANTS TO EVEN CALL ME BACK XXXX I have proof of my balance too Ive felt for a while they was stealing my funds cause sometime the math DO NOT ADD UP AT ALL MY NAM XXXX XXXX by the way and thanks I hope this is taking care of right away I also had a credit card builder card with chime bank as well that account had XXXX USD IN THE ACCOUNT I never said close my account nothing didnt even do anything but I dont care I jus want my money ASAP

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: GA

Complaint narrative:
I have never contracted services with NATIONAL CREDIT SYSTEMS. I have never received any written communication to be able to review this alleged account prior to it showing up on my credit file. Upon reviewing my credit file, this alleged account is also beyond the STATUTE OF LIMITATIONS. NATIONAL CREDIT SYSTEMS is clearly in violation of the FCRA for failing to even notify me of this account, it simply appeared on my credit report. I will prepare a media kit to expose the fraud that has been committed against me to all local and national news stations alike if necessary.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-19 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: NJ

Complaint narrative:
I originally entered into a FHA loan with XXXX XXXX  along with my son for a mortgage but there were financial problems so a loan modification was granted by XXXX. I chose not to participate in the loan modification with XXXX XXXX  but my son entered into an agreement for a loan modification with XXXX alone ( by himself ) and he gave me evidence of the loan modification. My son also legally removed my name from the deed to the house when the loan modification was in place. The date of the loan modification is XX/XX/2017, and the information is still showing on my credit report from XXXX as having a mortgage. The inaccurate information is effecting my credit and has prevented me from obtaining housing. My name is XXXX XXXX, I have a different date of birth and social security number from my son whose name is similar ( XXXX XXXX XXXX but we are different individuals.

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 2021-06-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Portfolio Recovery Associates, LLC
State: NV

Complaint narrative:
This debt is from a secure XXXX XXXX credit card I had with when I was XXXX  years old. It is the only credit card Ive ever had, and I have not owned one since. This debt is almost 10 years old. I have never paid them on it and I have never offered to pay on it. If you look at the date the debt was renewed, it was conveniently reopened when it was about to drop off almost 4 years ago. Why would I suddenly offer to pay them a {$300.00} debt that Id had for years and would have fallen off? They have kept this on my credit and reopened it past the time it should be reported.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I know nothing about who or what this debt is about. All debts that I did have were forgiven and or taken over ( by court order ) by my ex husband. Ive disputed this debt several times. & according to my report this debt is appriximately 15 yrs old. 
This company continues to harass me for a debt that isnt even mine.

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 2021-06-19 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: VA

Complaint narrative:
Experian reported two collections on my credit report that does not belong to me. I have reached out to experian numerous times. The problem still have not been fixed. They were removed and replaced back on my report. XXXX XXXX XXXX for {$620.00} and XXXX, XXXX for {$1200.00}. I don't have any knowledge of these accounts. They do not belong to me. Experian  is aware I was part of their fraud breach that occurred. This has been significant financial burden on me!

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 2021-06-19 00:00:00
Product: Money transfer, virtual currency, or money service — Traveler's check or cashier's check
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I deposited a check on XX/XX/2021 and it was deposited in my account and the funds were in my account the next day not knowing that this check was a fraud the next day I got an email saying it was an returned check but before that one I got an email saying that it was going to be deprime my account the 24 omg the month and then I went to chase bank down the street and they say it was a fraud check and I ask the lady how can they help me and she said that I have to pay my bank back it was my problem not theres please help me I really dont have money to pay this back I barely make money to pay anything Im lay on my bill for what happen its not fair to me I had money in my account before this deposit and know its all gone I dont have anything now to pay anything I cant get money out my bank either please help me as soon as possible thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-19 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

Complaint narrative:
First I received the money in my Paypal account Total sum of XXXX GBP + {$88.00} USD which in the XXXX Rupee converts into XXXX and PayPal held it for more than 21 days considering me as a New Seller. 

After that on XXXX when the fund release time was near I received an email that my account has been permanently Limited by PayPal and I can no longer use their services, also they'll hold my Entire Balance for 180Days. 
All of this without giving me a single reason why my account access was limited and I'm unable to withdraw my money. After that Email, I contacted PayPal on XXXX and asked for their Support Email and tried to resolve the issue myself but they weren't willing to help. 
I tried calling their phone but they disconnect it as soon as I verify my account identity. 
My account goes by the Email- XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP
State: MA

Complaint narrative:
My complaint is against : Cardinal Financial Company , Limited Partnership ( NMLS ID XXXX ) dba XXXX XXXX Overview : Soon after closing on a refinance, I realized the terms of the loan would not work for me so I exercised my right of rescission. Mortgage company is refusing the refund all finance charges, specifically the charge for the appraisal. 

Details : XX/XX/XXXX : {$620.00} appraisal fee paid to Cardinal Financial XX/XX/XXXX : Closing, wired {$2200.00} for closing costs. After signing and reviewing closing documents, noticed that the loan was put through as a primary residence. This refinance was done in order to free up my VA entitlement so I could close on my second home on XX/XX/XXXX. XXXX XXXX  refused to waive the 1 year occupancy requirement so I exercised my right of rescission. 

XX/XX/XXXX : XXXX XXXX  acknowledged the original refinance as voided and began steps to convert the loan to an income property. With a possible submit to underwriting early the following week. 

XX/XX/XXXX : Loan still had not been submitted to underwriting but I found a path forward using secondary entitlement on the second house. Informed XXXX XXXX  that I was no longer interested in doing business with them and to return the finance charges of {$2800.00}. 

XX/XX/XXXX : Response from XXXX agreeing to return the {$2200.00}, but not the {$620.00} appraisal fee because " This is a justified charge for services rendered by the appraiser. '' After reading through the Code of Financial Regulations, Reg Z acknowledges that the appraisal falls under finance charges that shall be reimbursed, but also allows for exceptions, so I submit this complaint to you for your review.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-19 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: RFNA, LP
State: MS

Complaint narrative:
I got this account that does not belong to me and i want it to be remove from the 3 credit reporting agencies. 

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

Company response to consumer: Closed with explanation