vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-12-14 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: PHILADELPHIA MORTGAGE ADVISORS
State: PA

Complaint narrative:
I applied for and was approved for a FHA mortgage through Philadelphia Mortgage Advisors and had a closing date of XX/XX/2020. I was locked in at an interest rate of 3.175 %. Due to an issue at settlement, our closing had to be rescheduled to XX/XX/2020. We were still locked in to the rate and were scheduled to close. Three days before settlement, I received my Closing Disclosure with the wrong interest rate of 4.125 %. I immediately alerted my mortgage advisor. She insisted that I was wrong, that the interest rate was never changed and that if I did not sign the CD that day, I would not close and would lose the locked in interest rate. This was upsetting because my family and I were already in the new property. On the original settlement day, my own home was sold before I knew about the U & O issues. My family was essentially homeless. So, My husband and I signed the loan with the wrong date out of fear of not being able to purchase the home at all. Immediately after settlement, I contacted the mortgage company and the President of the company came to my home and we signed new loan documents. I mentioned to him that since the interest rates were wrong, I had overpaid and had to be due a refund. He agreed and said he would send that out. 
That never happened. I never received a breakdown of an overpayment or a refund from this company.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-12-14 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: FirstPoint Collection Resources
State: MD

Complaint narrative:
On XX/XX/2020 an account opened from First Point Collections with an original creditor as XXXX on my XXXX XXXX account for an amount of {$140.00}. As an attempt to figure out where this debt came from I tried searching for the companies address and contact information. After multiple failed attempts via mail, email, and dead end phone calls Ive now decided to reach out for further assistance

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-14 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:
THE ACCOUNTS LISTED ARE FRAUDULENT SOMEONE USED MY SOCIAL SECURITY NUMBER AND PHOTO ID TO OPEN FRAUDULENT ACCOUNTS IN MY NAME I HAVE CONTACTED LOCAL AND FEDERAL AGENCIES TO MAKE A CRIMINAL COMPLAINT I am writing to request and initiate a formal complaint against Equifax, XXXX  and XXXX CRAS. On XX/XX/2020, I mailed Equifax, XXXX  and XXXX to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-14 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:
THE ACCOUNTS LISTED ARE FRAUDULENT SOMEONE USED MY SOCIAL SECURITY NUMBER AND PHOTO ID TO OPEN FRAUDULENT ACCOUNTS IN MY NAME I HAVE CONTACTED LOCAL AND FEDERAL AGENCIES TO MAKE A CRIMINAL COMPLAINT I am writing to request and initiate a formal complaint against XX/XX/XXXX, XX/XX/XXXXand Experian CRAS. On XX/XX/2020, I mailed XX/XX/XXXX, XX/XX/XXXX and Experian to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-14 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
In XXXX and XX/XX/2020 I filed a dispute with this credit bureau about the unverified account XXXX XXXX XXXX- Account number XXXX/XXXX  XXXX XXXX Account number XXXX. In those 2 months I have asked numerous times for a response or to be shown that the account is even under investigation and I have not received anything in response from this bureau in over 60 days. So now I'm contacting the CFPB to step in and help me get this issue resolved because I have not received a response from this company about these 2 unverified accounts as of today. Thank you

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
I did a balance transfer to a Citi Bank card that advertised no APR for several months. My payment is due on the XXXX each month. I started making my payments early at the beginning of each month, usually on the XXXX or XXXX of each month. Due to their statement not generating at that moment it does not apply my payment for that month. So each month it will still show that I owe for the XXXX of that month even though I have already paid. They charged me a late fee in XXXX but then reversed it when I called to complain. I called again in XXXX to try and fix my statement due date because I already paid for XXXX. Each time I called I get someone who does not understand English very well and overall just doesn't understand what to do. They have advised me to wait and pay after the statement generates to avoid this issue. They fixed my account for XXXX so no late fee would get charged because I already made the payment. When it came time to pay XXXX 's payment I waited to pay on the XXXX after the statement generated. It showed that I had not paid for XXXX and that I was past due. When I made the payment for XXXX it was applied to XXXX and did not reflect I paid for XXXX. I made the payment on XX/XX/XXXX. Once again I tried calling and the man who barley understood English told me not to worry and that once the payment processed it would fix my account. I called again on XX/XX/XXXX because it shows I still owe for this month. I spoke to two supervisors and was advised that I would have to make another payment for XXXX and that it posted for XXXX. They said there was nothing I could do and that he would change my due date to the XXXX of every month but that I would still have to make another payment for XXXX. I am being penalized for making my payments early because their billing statement can not keep track of payments and when they are made. He told me I would have to pay late fees if I do not make another payment in XXXX and the fees will get charged each month.

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 2020-12-14 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem using a debit or ATM card
Company: Block, Inc.
State: FL

Complaint narrative:
XXXX XXXX spoke to my bank about transactions done via Cashapp, the services that were supposed to be provided by the Person XXXX XXXX resulted to be a fraud and never did anywork and just blocked me, i disputed the charges and my bank said they dont have any dispute rights becaude is a third party transaction, that in most of the cases Cash app grants disputes done internally with your company since this was a fraudulent transaction. I requested the refunds on the app and it clearly says if after 7 days there is no response, an internal dispute will be open in Cash app to get the money back, up to today already 10 days Cash App is giving me zero responses. Transaction sent to XXXX XXXX I need help, I can't believe you will support scams that people do with your company name. My cash app ID is : $ XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Claim reference : XXXX I spoke to the XXXX XXXX  customer service department and they said there is a mistake on the way your handling this Dispute, i spoke to one of the wells fargo representatives on XXXX and she said Wells Fargo has no dispute rights, but according to the XXXX XXXX XXXXupport team if i paid with my debit/credit card i have the right to dispute the transactions with Wells Fargo and potentially get my money back - email attached. Wells Fargo is violating my rights, which is the fair credit billing act by denying my rights to file a dispute and i will be forced to file a complaint about Wells Fargo with the consumer financial protection bureau and Federal Trade Commission because your Violating the law. I request that you respect my rights and proceed with the dispute, I am writing for a charge in the amount of {$8700.00} on my account, i hired this company for Professional renovation services for 3 properties, this seller never did any work, i requested several times for him to finish and it was never done, after he disappeared and never again answer to me. Because of this i want you to consider this transaction as Fraud. We refused to pay the amount charged {$8700.00} as i never got any of the services and the seller blocked me which turns it to a fraud. I am requesting that the error be corrected, that any finance and other charges related to the disputed amount be credited as well, and that I receive an accurate statement because i refused to pay the amount billed on my account. PLEASE CONTACT ME SO I CAN SEND XXXX XXXX  EMAIL NOTIFICATIONS WHERE THEY MENTION YOU CAN DISPUTE THE CAHRGES

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-14 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: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
There are unknown hard inquiries on my credit reports. Im requested the verification of the inquiries and the method of verification. On XX/XX/2019, XX/XX/XXXX/XX/XX/XXXX and on XX/XX/2019, CAPITAL ONE add a hard inquiries on my credit reports. 
But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries.

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-14 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: TX

Complaint narrative:
XXXX XXXX XXXX Account XXXX add this back on they deleted a good account

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-14 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: MoneySpot USA LLC DBA Sunshine Loans
State: TX

Complaint narrative:
Company is still calling me, and my friends & family after receiving a cease and desist notice.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-12-14 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: SYNCHRONY FINANCIAL
State: IL

Complaint narrative:
There are unknown hard inquiries on my credit reports. Im requested the verification of the inquiries and the method of verification. On XXXX. XXXX, 2019, SYNCB/PAYPAL add a hard inquiry on my credit reports. 
But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries.

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-14 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: NY

Complaint narrative:
I have attempted to have the XXXX Credit Card account removed from my Experian and XXXX credit profile several times now, with no success ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ). However, this is a fraudulent account. I have submitted a copy of the original police report regarding this account to both Experian, XXXX, and XXXX, but is disregarded in its entirety ; by each company. Further, the fraud and/or identity theft is still being investigated by the XXXX County Police Department ( NY ). I would like to have this item removed from my credit profile completely. Prior to this instance, an auto loan, not opened by me, appeared on my credit profile. Experian and XXXX were able to correct this issue, but not the current one with XXXX. Also, XXXX has sent me a letter acknowledging that the account is considered invalid. Why the account remains on my profile remains a mystery to 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 2020-12-14 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: PA

Complaint narrative:
I review my credit profile and noticed several inaccurate accounts that are fraudulent reporting on my profile below are the following fraudulent accounts : Transunion : XXXX Account number XXXX Date opened XX/XX/XXXX XXXX XXXX XXXX Account number XXXX Date opened XX/XX/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 2020-12-14 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: CITIBANK, N.A.
State: NY

Complaint narrative:
There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. 

On XX/XX/XXXX, US SM BUS ADMIN ODA add a hard inquiry on my credit report per XXXX. 
On XX/XX/XXXX, MACYS/DSNB add a hard inquiry on my credit report per XXXX. 
On XX/XX/XXXX, XXXX XXXX XXXX add a hard inquiry on my credit report per XXXX. 
On XXXX XXXX, XXXX, XXXX  XXXX XXXX add a hard inquiry on my credit report per XXXX. 

But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. 
To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.

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 2020-12-14 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: Resolve Partners, LLC
State: NY

Complaint narrative:
There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. 

On XX/XX/XXXX, US SM BUS ADMIN ODA add a hard inquiry on my credit report per XXXX. 
On XX/XX/XXXX, XXXX/XXXX add a hard inquiry on my credit report per XXXX. 
On XX/XX/XXXX, RESOLVE PARTNERS LLC add a hard inquiry on my credit report per XXXX. 
On XXXX XXXX, XXXX, RESOLVE PARTNERS LLC add a hard inquiry on my credit report per XXXX. 

But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries.

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-14 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: TX

Complaint narrative:
XXXX XXXX XXXX FCRA violation Account Name XXXX XXXX Account Number XXXX Account Type Credit card Responsibility Individual Date Opened XX/XX/XXXX Status Account charged off. {$3800.00} written off. {$3800.00} past due as of XX/XX/XXXX. 
Status Updated XX/XX/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 2020-12-14 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: TX

Complaint narrative:
XXXX XXXX XXXX FCRA violation Account Name XXXX XXXX Account Number XXXX Account Type Credit card Responsibility Individual Date Opened XX/XX/XXXX Status Account charged off. {$3800.00} written off. {$3800.00} past due as of XX/XX/XXXX. 
Status Updated XX/XX/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 2020-12-14 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
In XXXX and XXXX of 2020, I filed a dispute with this credit bureau about the unverified account XXXX XXXX XXXX- Account number XXXX XXXX XXXX Account number XXXX. In those 2 months I have asked numerous times for a response or to be shown that the account is even under investigation and I have not received anything in response from this bureau in over 60 days. So now I'm contacting the CFPB to step in and help me get this issue resolved because I have not received a response from this company about these 2 unverified accounts as of today. Thank you

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-14 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
In XXXX and XXXX of 2020, I filed a dispute with this credit bureau about the unverified account XXXX XXXX XXXX- Account number XXXX XXXX XXXX  Account number XXXX. In those 2 months I have asked numerous times for a response or to be shown that the account is even under investigation and I have not received anything in response from this bureau in over 60 days. So now I'm contacting the CFPB to step in and help me get this issue resolved because I have not received a response from this company about these 2 unverified accounts as of today. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-14 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: HW Holding, Inc
State: NV

Complaint narrative:
I moved from a home and left the property in better condition than received. Pictures from before the rental and after were provided. Receipts for cleaning were provided. However, they are still claiming over {$2000.00} is owed in cleaning and repairs. Their claim is completely without merit and they have told me that they would report to the credit bureau by the XXXX of this month if debt not paid.

Company response to consumer: Closed with explanation