vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-03-22 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: SC

Complaint narrative:
I finally paid off my last debt months back n none of the three credit bureaus will accept my paid in full receipt! I have been fighting their games for years n I am finally in a position to change my life, n the credit bureaus r holding me back by not allowing me the chance to become debt free! Made r tried to make complaints in the past, which r really useless when you receive the typical canned response to check a box n make me go away!

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 2021-03-22 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: SC

Complaint narrative:
I finally paid off my last debt months back n none of the three credit bureaus will accept my paid in full receipt! I have been fighting their games for years n I am finally in a position to change my life, n the credit bureaus r holding me back by not allowing me the chance to become debt free! Made r tried to make complaints in the past, which r really useless when you receive the typical canned response to check a box n make me go away!

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 2021-03-22 00:00:00
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: LoanCare, LLC
State: FL

Complaint narrative:
Loancare, XXXX XXXX, and XXXX  XXXX XXXX has refused to refund me {$2100.00} for overpayment of property taxes during VA Refinance done on XXXX XX/XX/2020 Loancare, and XXXX XXXX knew that my property taxes were already paid, in full, on or around XXXX XX/XX/2020, and Loancare, XXXX XXXX, and XXXX XXXX XXXX withheld {$2100.00} from my closing, refused to refund it back to me, knew that it was wrong, and after 25-30 phone calls and 5 letters later, has continued to give me the runaround and refused to refund my overpayment. Today I spoke with XXXX, and XXXX XXXX at XXXX, and Loancare-XXXX 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 2021-03-22 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Problem with the payoff process at the end of the loan — 
Company: MoneyLion Inc.
State: TX

Complaint narrative:
They signed me up for a {$1000.00} loan but only lended me {$300.00}, then held {$700.00} in escrow with their company. On the payoff, I paid them {$1100.00} ( having only borrowed {$300.00} ) on the premise, the {$700.00} would come back to me in my account in 2 business days. That did not happen and the agent on the phone said it would take 7-9 MORE business days to give me my money back. This is theft

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-22 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Prince Parker & Associates
State: TX

Complaint narrative:
I received a missed call, called the number back and the person that answered ( XXXX XXXX  ) did not verify me correctly, did not state the mini-Miranda before disclosing the information..after I asked him not to call my cell phone anymore he stated its ok, well just report this on your credit next week to which I replied that was fine and ended the call. I then called back several times, on one occasion the same collector answered the phone and hung up on me when I asked for his supervisor..all other calls were also hang ups with nothing said. I called again and spoke to a supervisor and explained to him what happened, he then placed my call through to XXXX XXXX who said he would pull the call and listen to it. I called back and spoke to Mr. XXXX and he said he had listened to the call and the collect was written up.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-22 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Block, Inc.
State: NC

Complaint narrative:
XX/XX/2021 my 3rd round stimulus check has got deposited into my old cash app account that had been closed with debit card ending in XXXX with the amount of {$1400.00} USD I tried to contact cash app support via the app on my smartphone also email all I got was emails pretty much saying that theres nothing the support team can do about transferring the funds to my bank account or sending me a check and closing the account with the remainder balance to my address on file. They claimed that they can not override the decision and they also claimed to try and do a one time funds transfer to my new current cash app account which was unsuccessful from what I was told. so from that point on I tried to call a phone number that I got from the cash app website XXXX and I couldnt get in touch with a customer representative so all I have are these emails claiming that they can not override the decision to transfer my funds and screenshots of the error messages that they gave me. On XX/XX/2021 I got my second round of the stimulus check deposited into that same cash app account with the debit card ending in XXXX with the amount of {$600.00} USD and I was able to transfer that balance to my bank account without problem. At one point I kept getting error messages also stating that Ive have failed too many times trying to link my bank account and it had put up a security measure so I then emailed cash app support again and the next time I had tried to link my bank account with my cash app so I could transfer the balance I just got the same error message saying to contact cash app support at this point I dont know what to do i cant get in contact with cash app support through the phone and emailing is just turning into a timely process thats just taking too long just to be told theres nothing that cash app can do especially when Im counting on this money in a college student so I need this money.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
i am writing a complaint regarding Transunion credit reporting agency they are reporting an inaccurate bankruptcy under my name that it foes not belong tome, i have disputed from all three bureaus and was removed from XXXX and XXXX, but Transunion is giving me a hard time and not providing customer service what so ever, when i dispute it they don't even dispute i call a day later they say that was verified, literally in a day. please i am uploading the same documents which i uploaded and mailed to all three bureaus as a result XXXX  and XXXX  removed this inaccuracy and Transunion does not. please find attached my documents and help me to resolve this issue by removing the inaccurate bankruptcy from my Transunion credit file 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 2021-03-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: CL Holdings LLC
State: IL

Complaint narrative:
The company has failed to correspond regarding an account that does not belong to me. The number that I was provided no one never answers. I also have disputed the account with the credit bureau and have attempted several times to do a direct dispute with the original creditor and the collection but they have failed to respond.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-22 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: SUMMIT MORTGAGE CORPORATION
State: MN

Complaint narrative:
I have mortgage from summit mortgage company but my mortgage automatically go from my account. They already received monthly payments from my bank account but they reported i dont pay yet. My credit score decrease 35 points. I need my credit score same like beforer otherwise im taking mortage to court.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-22 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: Santander Consumer USA Holdings Inc.
State: CA

Complaint narrative:
I XXXX XXXX XXXX have been dealing with this debt collector for a few months now and they continue to violate the statutes I have listed below. 
15 US code 1681a # 4 - respect the consumers right to privacy, these companies have infringed my right to privacy after explaining to them that is not my debt they continue to update my credit report monthly. 
15 US code 1692a- The term debt means any obligation or alleged obligation, i have explained to this company that this debt is not mine. 
*15 USC 1692f- Communicating with a consumer regarding a debt by post card, post card in others words means to bring notice or attention to the public ( credit report ).

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-22 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 — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
I just want to tell people that the credit card from Capital One does not cover fraudulent transactions. Just stay away from it. They think that in one day I was able to skimp at a supermarket in XXXX and then the next day fly back home to the United States and refuel or buy something at a gas station. Their clever specialist in fraudulent operations thought so, no logic at all, especially with the situation now with the coronavirus. 
There was a transaction in another country and they wrote to me that I received benefitted from it. Very funny and commendable. I know that they will not revise anything ... Just for recall. Ugh, how disgusting.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-03-22 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: TD BANK US HOLDING COMPANY
State: NV

Complaint narrative:
I purchased a XXXX product and financed it with TD Retail Card Services. I electronically overpaid the balance by {$350.00}. I contacted their customer service for a refund of the overpayment and was advised that I must wait 16 days from the date of the last overpayment to get my money back. I spoke with a supervisor named XXXX who advised that the 16 day wait is " their policy ''. 

I don't understand how they can hold my overpayment for 16 days when the account is paid in full and I have requested a refund.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-03-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Ideal Collection Services, Inc.
State: MS

Complaint narrative:
I paid the balance owed in this voluntary eviction on my behalf because employees were using my identity to commit fraud I was there in XXXX Florida from XXXX I filed in civil court XXXX XXXX a response to evict and the settlement was reached I was given the remaining balance I have sent correspondence for several years every year requesting that ( ideal collection XXXX XXXX XXXX XXXX where I lived be removed from my credit ) as per the attached screen shot of the payment on the XXXX XXXX website the account has been paid it is their confirmation and why it should have been removed from my credit report I would like to attach supporting documents however the link below is working as this is an important link to provide evidence please fix additionally your staff can research the case on the XXXX  website it XXXX a voluntary eviction Please respond via return XXXX XXXX p s. I have email, returned certified mail statements with supporting documents of the apartment complex being paid I sent to XXXX XXXX and XXXX XXXX the account be removed every year for the past few years.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
My name is XXXX XXXX XXXX I have an issue with false and inaccurate items on my credit report. 1. my name is spelled wrong like four times. 2. Bad addresses are showing on my file, I have never lived in XXXX  My current and correct address is XXXX XXXXXXXX XXXX  XXXX XXXX, OH XXXX. My DOB XXXX. The addresses here are not accurate please delete XXXX XXXX XXXX, XXXX , OH XXXX XXXX XXXX XXXX  XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, XXXX  XXXX XXXX XXXX XXXX  XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH 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 2021-03-22 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: SC

Complaint narrative:
I AM LOOKING AT MY CREDIT REPORT AND I HAVE ALOT OF FRAUDULENT ACCOUNTS, ALONG WITH FRAUDULENT CLOSED ACCOUNTS. THESE ACCOUNTS ARE CAUSING ME A LOT OF XXXX XXXX  FOR MY FAMILY AND ME. HOW CAN I PROGRESS IF THE CREDIT BUREAUS CONTINUE TO ALLOW FRAUD ACCOUNTS ON MY CREDIT REPORT. 
PLEASE REMOVE THESE ACCOUNTS OFF MY CREDIT REPORT AND SEND UPDATED COPY OF MY CREDIT REPORT. 
XXXX XXXX XXXX # XXXX {$580.00} XXXX  # XXXX {$9400.00} XXXX XXXX XXXX {$470.00} XXXX XXXX>= $1,000,000} XXXX XXXX # XXXX XXXX XXXX XXXX {$6400.00} XXXX XXXX XXXXXXXX # XXXX AND XXXX XXXX BILLS THAT HAVE NO CREDITOR NAMES! 
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 2021-03-22 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: SC

Complaint narrative:
I AM LOOKING AT MY CREDIT REPORT AND I HAVE ALOT OF FRAUDULENT ACCOUNTS, ALONG WITH FRAUDULENT CLOSED ACCOUNTS. THESE ACCOUNTS ARE CAUSING ME A LOT OF XXXX XXXX XXXXOR MY FAMILY AND ME. HOW CAN I PROGRESS IF THE CREDIT BUREAUS CONTINUE TO ALLOW FRAUD ACCOUNTS ON MY CREDIT REPORT. 
PLEASE REMOVE THESE ACCOUNTS OFF MY CREDIT REPORT AND SEND UPDATED COPY OF MY CREDIT REPORT. 
XXXX XXXX XXXX # XXXX {$580.00} XXXX # XXXX {$9400.00} XXXX # XXXX {$470.00} XXXX {>= $1,000,000} XXXX XXXX # XXXX XXXXT # XXXX {$6400.00} XXXX XXXX  XXXX # XXXX AND XXXX XXXX BILLS THAT HAVE NO CREDITOR NAMES! 
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 2021-03-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
before closing account, i was advise my balance will be adjusted to XXXX from {$3.00}. after 60 days, kept charging {$15.00} late fee foXXXX 2  consecutive months. every time i call them, they advise me to wait 7 days, and balance will be XXXX. as of 80 days balance still not XXXX, which impacting my credit score as well. please help me resolve issue with capital one bank. one of worst customer service i have ever faced, every time i call, i get customer service manager on phone, and same mistake and promise give to me. there is no manager or supervisor available to talk. i have called almost 15 time in 80 days to resolve issue and as of now its still not resolved

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-22 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 — Card was charged for something you did not purchase with the card
Company: DISCOVER BANK
State: AZ

Complaint narrative:
I had fraudulent activity that occurred on my Discover card, I called Discover as soon as I noticed the charges and disputed them. During my first phone call they advised me I did not have to file a police report. After their investigation they did not deem it as fraud because the charges were spent at stores that I had previously purchase items at. This went on for six months starting in XXXX when the fraudulent charges began. Discover Unwilling to re-review and remove these fraudulent charges unless I have a police report. I reached out to the police and they said the camera footage from the stores the purchases were made or not kept for that amount of time. So now Im stuck paying for charges that I did not make and discover will not do anything about it

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-22 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: MO

Complaint narrative:
Hello - I sold my XXXX XXXX to a personal buyer for {$19000.00} paid via Paypal. I tried to transfer the funds to my personal bank account and learned that PayPal put restrictions on my account and closed it reason without cause, as the transaction is legal and I supplied proof to them per their request. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for months but I read that you could help if I filed a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal is XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-22 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: CA

Complaint narrative:
Dear CFPB, Im writing in to complain about TransUnion LLC. 

Please note that the Credit Reporting Agencies are now subject to Federal Consumer Financial Laws, including, among others, the FCRA and Title X of the Dodd-Frank Act, and related regulations including a ban on '' Abusive '' Acts or Practices. ( Section 1031 of the Dodd-Frank Act ) TransUnion LLC is in violation of Title 15 U.S.C Section 609 ( a ) ( 1 ) ( A ) FCRPA Title 15 U.S.C. Section 1681 and FCRA section 611 as evidenced by the follow exhibits attached. ( See attachments ) Accounts in Dispute : XXXX XXXX XXXX  Account # XXXX XXXX XXXX XXXX # XXXX Inquiries in Dispute : XXXX XXXX US SM BUS ADMIN XXXX  TransUnion refuses to provide verifiable and validated proof as required by law and therefore must delete a charge off from XXXX XXXX XXXX  Account # XXXX. An erroneous collection account from XXXX XXXX XXXX Account # XXXX and Inquiries from XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 

I have provided superior evidence that no debt exists backed by the Secretary of State of California UCC11. I have attached a copy directly from the Secretary of State of California. 

TransUnion blatantly and arrogantly disregarded my right to ensure that all accounts they post on my credit report are absolutely correct and accurate. They have never provided me any verifiable proof ( an original contract with my signature on it ) ever. 

This is seriously hurting my credit score and I have the legal right to demand Verifiable Proof or this item must be deleted! See attached proof of mailing and notarized documents that I mailed certified and also their response. Please see to it that the consumers rights are protected.

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 2021-03-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: NJ

Complaint narrative:
In XXXX, my mortgage with XXXX XXXX was bought out by Nationstar ( now Mr . Cooper. ) I had no idea this purchase had occurred, as the only notice I received was letters from Nationstar which in no way indicated that they were now servicing my mortgage. 

As a result, on XX/XX/XXXX I was charged a {$9.00} late fee, and in XX/XX/XXXX another {$20.00} fee ( see documentation below. ) I had absolutely no idea my mortgage had switched over to a new company and had to struggle to come up with multiple payments at the same time, and asked the new company to cancel the fees they had assessed and they refused. This unethical taking advantage of a customer who had no idea the mortgage had been transferred to a new servicer must not happen and this fees must be returned.

Company response to consumer: Closed with explanation