vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-12-17 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: PA

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Experian has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX 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 2021-12-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Pendleton Capital Management
State: MO

Complaint narrative:
Pendleton Capital is harassing my family and wont stop calling, they failed to initially notify me via mail and on the first point of contact they elected to threaten to file service and suit rather than send a paper copy of the letter. I had requested verification of the debt and the agent elected to create a false sense of urgency to deny sending me the debt verification

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-17 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: NY

Complaint narrative:
On XX/XX/2021 please be sure to enter dates that all letters were sent. 

I sent disputed to Transunion, XXXX and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 60 days and have failed to respond. I am attaching a Copy of all letters sent below. 

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made. 

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion

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 2021-12-17 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:
On XX/XX/2021 please be sure to enter dates that all letters were sent. 

I sent disputed to XXXX, XXXX and Experian for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 60 days and have failed to respond. I am attaching a Copy of all letters sent below.

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made.

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion

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 2021-12-17 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: MRS BPO, LLC
State: NY

Complaint narrative:
The service was canceled and paid in full at the closing of the agreement. threatened to contact the company and damage my credit history regardless of full payment, decried to give my a proof of collections. Collection company threatened to destroy my credit by putting in false report, mentally abused me and my family by calling us again and again. 

As for the proof, refused to provide me any.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXXXXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
Bank of America and XXXX XXXX have closed my checking accounts. 
They say because of XXXX  transactions. I know is because of XXXX. And they are investigating why. They will not tell me details. 
But i already know the reason why. This is a fraud situation and someone used my account and a complaint was made for a transaction to be returned through XXXX. How can i return the money when it was not my money but the fraudulent persons? He was using my account. All i want is a new bank account and this off my record. 
The man has admitted he was using my accounts as an identity theft situation. I have proof of this. Because of my accounts being closed it is ruining my way of life. I need a bank account of my own to survive and no one is telling me if im able to open one again. I already reported this to the police. 

This hacker was in XXXX. XXXX showed me the access he had and I deleted it all. He was pretending to be my friend and it was all fake.

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 2021-12-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: MoneyLion Inc.
State: MI

Complaint narrative:
On XXXX XXXX 2021, Money Lion abruptly suspended my account. I had a total of {$210.00} in my account, they would not give it back to me. They claim they would send it back to where it came from, but they never did. I had a deposit on XX/XX/XXXX for {$790.00} from unemployment, and the unemployment agency stated they have not heard anything from Money Lion. So it shows in this account that I have {$210.00}, because Money Lion has been taking a dollar administrative fee since XXXX. I frankly don't know what to do to get my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-17 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: VA

Complaint narrative:
10 years ago I had signed up for a protection plan which appears as " XXXX '' on my bill. I was under the impression based on the documentation that Best Buy provided that the protection plan was specifically for THAT purchase, and I come to find out in the course of calling about a random {$35.00} charge on my account ( years later ) that it was for ALL purchases and it's be on-going since 2011. 

I asked if BestBuy is required to re-verify the enrollment in protection plan annually or report the annual total charges for the protection plan, and they said no. I asked can I please have a refund for services I never used? They said no. I did ask for them to refund the most recent charge, which I think they will. But I have no way to know how much they have charged me over 10 years, so here I am. 

I guess this boils down to, I feel like they misrepresented the protection plan. I thought it was for one purchase 10 years ago, and they've been charging me for it for 10 years on any month I carried a balance ( promotional 0 % or not, it didn't matter ). I feel like the most I can get out of this is reporting this practice to the CFPB so that it can be monitored and/or rectified through regulation... or I can inform folks of something they might want to check out on their own accounts, to see if they're being charged for a protection plan they forgot about or thought was specific to ONE purchase ( when it isn't ).

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 2021-12-17 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: PA

Complaint narrative:
Fraudulent charges on my PayPal account were being deducted from my bank account. Submitted disputes to PayPal and they are denying the case as they claim the charges are not fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-17 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: MI

Complaint narrative:
On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 30 days later I have not received a response yet. I 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 30 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 XXXX, XXXX and Transunion data breach and may have got into the hands of the wrong person.

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 2021-12-17 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: MI

Complaint narrative:
On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 30 days later I have not received a response yet. I 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 30 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 XXXX, Experian and XXXX data breach and may have got into the hands of the wrong person.

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 2021-12-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I sent letters to all 3 credit bureaus on XXXX/XXXX/2021 regarding fraudulent, inaccurate and unverifiable items on my credit report. It has been over 34 days and I have not received a response from anybody. This is a violation of my rights due to not providing a notice of dispute and for failure to communicate that my disputed debt has been disputed. I demand these accounts be blocked, deleted and removed from my consumer report immediately or I will file for litigation. I am trying to obtain credit and these inaccurate, fraudulent and unverifiable items are preventing me from doing so.

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 2021-12-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: LoanCare, LLC
State: CA

Complaint narrative:
I am trying to explore my options post forbearance with Loancare & every representative I speak to gives me contrary advice to the other representative. I have had issues with them for months now. Each time I had asked for more time, one grants me an extension on the forbearance and the other denies the expiration date. More recently I had a call with a representative by the name of XXXX ( call recorded ). He advised I had until XXXX/XXXX/2021 until my forbearance expired. I then get correspondence in the mail that contradicts that and states my expiration was XXXX/XXXX/2021. XXXX advised I was to call before expiration to explore my options post for XXXX. He advised that I could either defer my loan or modify the loan. When I called earlier this week I spoke to an individual by the name of XXXX Who advised that the deferment option was no longer available because of the amount of the loan. I asked her about the expiration date and she advised that my forbearance expired XX/XX/XXXX. I told her what XXXX  have advised me. She apologized and said that he gave me wrong information and that because of that I lost the option to defer. She advised that the only option I had was to modify. I told her that is not fair because of his misinformation, I was deprived of the deferment option. She said she would send it to another representative to escalate and take a look at the file. She advised that the representative would contact me sometime this week. I havent heard from anyone and currently on the phone again with a representative. The first one got my information while I waited on hold and hung up on me. I called again and immediately asked for a loss mitigation specialist. I am now on hold waiting for someone to take the call. However I have lost faith in any communication this company gives me and it is my livelihood on the line. I do not want to rely on any information they give me because I dont know if its going to be accurate or not. Because of them, I may go into default despite the fact that I have been diligent in monitoring every communication and every expiration date. I need you all to intervene so that I can get a resolution to my situation. The reason I want to defer is because I want to preserve my option to apply for a mortgage assistance grant through my state. The plan in California states that if you get a modification from the lender, you will no longer be eligible for the grant. That is why I dont want to do a modification at this time. I explained all of this to the representatives at Loancare.

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 2021-12-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: PENTAGON FEDERAL CREDIT UNION
State: NY

Complaint narrative:
Applied for a mortgage refinance with Pentagon Federal Credit Union ( PenFed ) on XX/XX/2021. 
XXXX XXXX received a Good Faith Estimate ( GFE ) itemizing the cost of providing the loan. No origination fees are associated with this loan, no origination fee on the GFE - XX/XX/XXXX, physical home appraisal completed - XX/XX/XXXX, received letter from PenFed 's closing attorneys advising to consider using a XXXX for the refinance which will save me money on transfer taxes. Cost : {$750.00} XX/XX/XXXX, payment is made for XXXX modification of {$750.00} XX/XX/XXXX- Loan is given conditional approval Submitted all required paperwork well within all the required timeline. PenFed continued to drag their feet throughout this process and was unable to meet the closing date deadline on three separate occasions. Various excuses were provided for the delays but they all were related to the Title division. In the sixth month after the process started, we have a new closing data. Three days prior to the close I received the disclosure documents. The documents now outlined new fees that were not listed in the GFE. At no time did the loan processor informed new origination fees were being added to the loan. In addition, the mortgage XXXX was never completed which resulted in the transfer taxes remaining unchanged. Payment made for {$750.00} was collected with no results. The origination fees added an additional ~ {$12000.00} to the closing resulting in it nearly doubling. 

I believe the actions taken by Pentagon Federal are in violations of the Consumer Protection laws. and amounted to a financial bait and switch.

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 2021-12-17 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:
Experian and XXXX 15 USC 1692 K and 15 USC 1640 Civil liability 15 U.S. Code 1681 N ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ;. ( B ) Civil liability for knowing noncompliance. Any person who obtains a consumer report from a consumer reporting agency under false pretenses or knowingly without a permissible purpose shall be liable to the consumer reporting agency for actual damages sustained by the consumer reporting agency or {$1000.00}, whichever is greater. 
15 U.S. Code 1681n - Civil liability for willful noncompliance. 15 U.S.C. 1681o - U.S. Code - Unannotated Title 15. Commerce and Trade 1681o. Civil liability for negligent noncompliance. 15 U.S. Code 1640 - Civil liability. Delete account from consumer report immediately.

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 2021-12-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc.
State: CA

Complaint narrative:
I'm disputing a mortgage loan # XXXX, in which I have been denied for a loan modification after being in a Forbearance plan offer by Cooper when Covid 19 pandemic started. I have been placed into the Forbearance plan since XX/XX/2020 in which Cooper extended for 18 months this program claiming that I was going to received a solution. Now I have received a denial letter stating I have to reinstate my loan or else they will proceed with reporting my credit report that I am in delinquency and proceed for foreclosure process. First I want to start from the beginning when all this financial hardship started. When the government announce that we were under the Covid 19 Pandemic and that everybody had to stay at home obligated as a Government mandatory Shut down. This cause me to be into a burden hardship because I was able to work and with this also my tenants when thru the same situation were they couldn't pay me rent. This cause me to get delinquent with Mr. Cooper and they promise me a solution by placing into the Forbearance in the meantime government were going to come out with a solution. Now they are stating on the denial letter the reason of why I have been denied Insufficient Monthly payment reduction in which I never requested any reduction I only request a Deferral of all payments in which I was not responsible for what happen with the Pandemic. I was never late on my mortgage payments since the last recession of XXXXI am requesting for help to save my property I willing to accept any solution to keep my property.

Company response to consumer: Closed with explanation