vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-03-07 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: AL

Complaint narrative:
I WENT THROUGH MY CREDIT PROFILE AND I NOTICED AN ACCOUNT THAT DOES NOT BELONG TO ME, I HAVE NEVER HEARD OF THIS COMPANY. I HAVE NO IDEA HOW THEY WERE ABLE TO OPEN UP THESE FRAUDULENT ACCOUNTS IN MY NAME. MY IDENTITY HAS BEEN COMPROMISED, AND THIS IS A VIOLATION OF MY RIGHTS. ITS BEING REPORTED ON MY CREDIT AS IF IT BELNGS TO ME. I DONT KNOW HOW THIS COMPANY DOES THEIR LOANS, BUT THEY ARE IN VIOLATION BY LETTING SOMEONE USE MY INFO.THERE ARE ALSO A LOT OF UNAUTHORIZED INQUIRIES.DELETE THIS FRAUDULENT ACCNT IMMEDIATELY There are several inaccuracies on my report that I didnt authorize these accounts violating my rights according to the FDCPA. The Credit Reporting agency continues to violate my rights according to 15 USC 1692. " Any bad debt furnished on your reports is ruining your reputation and it's defamation of character ''

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 2021-03-07 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
On XXXX I noticed I had overpaid on my Kohls charge account. When I called they stated it would take 7 to 11 days to process and then 2-4 weeks to mail a check. I called on XX/XX/XXXX and on XX/XX/XXXX. I was informed the check was mailed on XX/XX/XXXX. I never received it. The company had now zeroed out my account but I still haven't received the over payment. I then followed up on XX/XX/XXXX. I was told they would expedite the process and send another check within 7-11 days and they would even attempt to overnight it. I haven't received anything. I called back on XXXX was informed whomever I talked to before was wrong they do not expedite these processes a new case was not open and it will take another 2-4 weeks to process another check. It's been over 2 months and I'm not able to receive my money returned.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Santander Consumer USA Holdings Inc.
State: RI

Complaint narrative:
I see multiple 30-60 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-07 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: NY

Complaint narrative:
I would like to send a complaint about these three companies, EQUIFAX, XXXX and, XXXX. I have been disputing inaccurate and unverifiable information from my credit report which was a complete error done by these companies. They have not made a proper investigation of the matter and they can not provide me any proof to verify these inaccurate accounts. Several months have already passed and they should already have given me enough record or binding evidence for them to keep posting these accounts in my credit report. PLEASE HELP!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-07 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: ALLY FINANCIAL INC.
State: NY

Complaint narrative:
ALLY FINANCIAL Inquired on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX add a hard inquiries on my credit reports. 

But company 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 2021-03-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: CT

Complaint narrative:
On XX/XX/2021, I tried to log in to pay my mortgage XXXX My log in failed - there was no message saying anything was wrong with password or ID ... it just kept reverting back to log in. I even tried forgot password to see if that would help. 

No luck. No tech support available through their website. I called customer service. They have the most convoluted " Self SErvice '' messaging. And their customer call line keeps directing one back to the website. I spent over an hour trying to find my way through their phone system. I can't even remember how but I finally got a person. Not the usual press 0 or # ( In fact when you press 0 more than once you get a good-bye and then a hang up ). Once I got a person, she told me I was locked out of my account because I had my cell phone number also listed in the home number spot. She unlocked my account and I was able to pay. 

Today one month later I log in to make a payment ... and the same thing ... log in does nothing except bring back a new log in screen. No error message ... just a continuous loop back to log in. So I called again. I have spent 45 minutes trying to find anything on the phone service that will be of help. I can not figure out how to reach a person and NOTHING at the customer service line leads to something or someone to help with this matter. 

This trouble paying can lead to credit damage. How do I get to speak to someone who can help me? All I want to do is be able to make online payments. In the past ( For YEARS ) there was never any trouble making online payments. This company has horrible service.

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 2021-03-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
Received and unauthorized Chase credot card on my name with my ss. Number and address

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-07 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: TX

Complaint narrative:
I would like to send a complaint about these three companies, EQUIFAX, XXXX  and, XXXX. I have been disputing inaccurate and unverifiable information from my credit report which was a complete error done by these companies. They have not made a proper investigation of the matter and they can not provide me any proof to verify these inaccurate accounts. Several months have already passed and they should already have given me enough record or binding evidence for them to keep posting these accounts in my credit report. PLEASE HELP!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-07 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: BMW Financial Services NA, LLC
State: NY

Complaint narrative:
XXXX XXXX XXXX Inquired on XX/XX/2019 add a hard inquiry on my credit reports. 

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

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 2021-03-07 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: TX

Complaint narrative:
Im submitting this complaint against XXXX, Equifax, and XXXX due to their total disregard for my consumer rights under the FCRA/FCBA/FDCPA. For several months now, I've been disputing inaccurate and unverifiable information showing up on my credit report by this company. I have requested intimate information about the alleged accounts, including a copy of an agreement with my signature on it, but I have yet to receive anything. These companies continue to electronically verify these " ghost '' accounts without providing any legally binding evidence, such as a signed contract and complete accounting of the record, as required by law. They're clearly lying and thus the reason Im asking for proof. However, these companies refuse to provide it, which is not right and is not compliant with the FCRA/FDCPA. Im absolutely fed up. My life has been in complete ruin as a result of this. It's causing enormous mental and financial distress, preventing me from getting approved from credit that I am rightfully entitled to, and not to mention the ample amount of time that I must take out to try and resolve this matter myself. This has brought a great deal of harm to my family as a whole as well. Ive just had enough! Please help! I hope to hear from you soon.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-07 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: PA

Complaint narrative:
In XXXX of XXXX I received notices that my taxes where not paid. In contacting with nee rez was told to file on line. My township tax was due in XX/XX/XXXX and was taken from escrow account but tax collector never received. My school tax was taken out of escrow in XXXX and never paid as well. My township tax didnt appear on my escrow account at all. 

After multiple letters telling me they needed more time to investigate the school tax got paid in XXXX but I was also charged most of the late fees in my escrow account. After contacting them again and more letters asking for more time to investigate in XXXX I filed a complaint with the pa dept of banking. Still getting letters they need more time their came to their first deadline with them of XX/XX/XXXX and asked for more time with them. They extended till XX/XX/XXXX and still taxes not paid and now turned over to XXXX XXXX XXXX. 

Contacted the pa dept of banking on XX/XX/XXXX who states she got a phone call from a mr.XXXX  at new rez that states my taxes will be paid. But until she receives in writing she cant follow up any further. 

How is money removed from escrow and bills not paid. Feeling like I'm in a potsy scam that they steal taking from one and moving money around and not paying the bills they are reporting. 

My taxes for XXXX are coming due in XXXX again. Is this going to continue? How is my taxes turned over to the collection bureau going to impact my credit score? When will XXXX taxes get paid and will they return the late fees they back charged me? I want them held accountable for what I feel is illegal handling of my funds. I entrusted them with my payments to make my tax payments.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-07 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: AVANTE
State: FL

Complaint narrative:
Avante Usa has a collection account that has appeared on my credit report on XX/XX/2021. I have sent priority mail a letter that the company failed to collect the letter I have sent. I want to verify that I owe this debt. I wanted the original contract with myself and the original owner. Also the warranty information. All verified documents that I need verify this debt. The amount {$1600.00} is the amount that is owed and I need verification of this debt. I do not believe I owe this debt because I had warranty and the original company would not honor that warranty and put me in a bind because my furniture were broken and I paid for warranty and no one fixed my furniture. I needed the information and no one would sent me what I needed to contest the warranty and the broken furniture.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: ALLY FINANCIAL INC.
State: MD

Complaint narrative:
I opened a checking/debit account with Ally Bank on XXXX XXXX, 2021. I was attracted to this bank because it advertised the ability to make large mobile deposits, whereas many other banks restrict mobile deposits to amounts under {$1000.00} or {$2000.00}. My deposits tend to be larger amounts because I receive crop payments from farm land, and it's been difficult to get to the bank during the pandemic so I wanted the convenience of depositing checks from my home. On the date I opened my account, I deposited {$6900.00}. I activated my debit card on XX/XX/XXXX and tried to purchase an area rug for about {$600.00}. My card was declined several times so I contacted the bank. The agent told me that my debit card was denied due to exceeding the daily withdrawal limit of {$500.00} per day in point of sale transactions. I was told the limit would be increased after 90 days. Ally Bank did not disclose this daily spending limit in a way an average consumer or even an educated consumer could understand before opening the account. Although I was told the daily spending limit was for the " benefit of the customer '', I suspect Ally Bank is enticing consumers to open accounts by allowing large mobile deposits, but then severely restricting the use of those funds for 90 days in an attempt to strengthen its balance sheet. In other words, there is an inherent imbalance if a bank makes it easy for consumers to deposit large amounts of money " in '', but makes it difficult for consumers to take money " out. '' As a consumer, I felt swindled when I learned that I could not access my own money to buy simple household furnishings.

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 2021-03-07 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: RI

Complaint narrative:
Hi, I was actually talking to a representative from Portfolio Recovery Associates and they mentioned that as long I pay the collection account, they will report and demand the credit bureaus remove the entire tradeline from my file. They actually direct me to their website to look under FQA section where I screenshot and copy below. Please remove it

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-07 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: NRA Group, LLC
State: RI

Complaint narrative:
I have contacted the creditor/company many times, but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in loss of credit rating.

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 2021-03-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Rocket Mortgage, LLC
State: GA

Complaint narrative:
Quicken Loans The UNAUTHORIZED HARD INQUIRY - MUST IMMEDIATELY NEED BE REMOVED FROM MY CREDIT IN ALL BUREAUS. 

Quicken Loans company ran hard inquiry on my credit in XX/XX/2020, further impacted my credit score. This hard inquiry is UNAUTHORIZED AND MUST BE REMOVED IMMEDIATELY.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
Hi I been trying to lift my security freeze since XX/XX/XXXX and the representatives at the call center haven't been helpful at all. They tell me I havent passed any security questions and that the ID was all black when I sent it via fax which is a Lie. my fax shows me what they sent. They also wont help me with doing it online or over phone. This is affecting my ability to get credit The supervisor I spoke with is XXXX Operator ID XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-07 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:
PayPal closed my account for no reason and WITHOUT ANY EFFORT TO PROVIDE EXPLANATION AND SPECIFIC DETAILS OF MY VIOLATIONS. It also froze my hard earned money from my bitcoin trading for 180 days which is clearly a violation of my right and a due process. I explained everything from my side and provided everything they required from me but still to no avail. What they did is a grave abuse of discretion. I am not sure if this is some mistake as I hope it is. I have not been able to get help from them but I learned from an article that I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal especially DURING THIS CRISIS OF PANDEMIC where people like me are doing to survive and to have a life. My email linked to my PayPal is " XXXX ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-07 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
We have banked with Wells Fargo for over 20 years carrying large balances in our savings account. Their practice is to slowly reduce interest payments to near zero over time. When you confront the bank they tell you to open a new account because you are in a low yield account. I just want to get paid the highest rate appropriate and reimbursed for the interest income they stole from us. I am not interested in opening another new savings account to receive the appropriate interest rate. It's fraud and they are stealing money.

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 2021-03-07 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 have fraudulent inquiries showing in my credit report. I have no idea where these came from or where I got them from. These inquiries were not made by 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 2021-03-07 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: AZ

Complaint narrative:
filled a previous complaint that I could not get my credit score. They have the wrong name with my ss number. I have faxed them my driver licensee, social security card and passport a total of three different times to fix this problem. Equifax is the only company Iam having this issue with. their response to my complaint was still the same problem. Then they send me a letter with someone else name on it PLEASE Help

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-07 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: T.S. Holdings
State: FL

Complaint narrative:
I was involved in apartment lease with XXXX XXXX but due to the pandemic I was obligatory let the apartment. I noticed the apartment manager and she said verbally dont worry you can stay and pay some payments while the month is going. 

But due the pandemic my income was definitely worse, ; with any extra money to paid a least to pay the utilities.. due this situation I was decided for letting the apartment vacant. : and she told me could the best choice without any penalty,, now after months they send my account to collection without previous agreement or anything related with communications..

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation