vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-10-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: NFM, INC
State: FL

Complaint narrative:
Applied for CARES act Covid  forbearance on XX/XX/XXXX due to being unemployed due to covid. 1. ) Received approved Covid forbearance agreement dated XXXX XXXX stating suspension of monthly payments for months of XX/XX/XXXX through XX/XX/XXXX with suspension of credit reporting and late fees per XXXX covid  CARES act. 2. ) Received delinquent notice dated XX/XX/XXXX with late fee of {$66.00} from lender NFM XXXX in violation of CARES act covid forbearance agreement. 3. ) Received Mortgage statement showing mortgage reported 30 days late and {$66.00} from lender NFM XXXX in violation of CARES act covid forbearance agreement. 4. ) Called NFM XXXX on XX/XX/XXXX and spoke with XXXX XXXX XXXX XXXX Employee stated there was a " scripting error '' and forbearance was not input into mortgage servicing system XXXX correctly. Stated system " should '' be updated with forbearance being correctly boarding into mortgage system XXXX. Employee stated that I needed to e-mail XXXX for 30 day mortgage late correction. ***Unacceptable that borrower needs to send an e-mail when mortgage lender made an error in violation CARES act covid forbearance guidelines. Need investigation into NFM XXXX procedures/practices as a loan servicer is in violation of XXXX servicing guidelines with covid forbearance on loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Recently, i did an investigation on my credit report which caused XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and U.S. code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate. 

The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there when there are several inaccuracies showing on my report? 

As a consumer, I request to know all the steps your agency took to insure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure

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 2022-10-04 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: CITIBANK, N.A.
State: CO

Complaint narrative:
XX/XX/2022- used the online portal to close account as directed by the service. When through the process of verifying my account to close it, then was told that Citi had placed my account as inactive - it has {$10000.00} in it as of XX/XX/2022. They said funds would be delayed 10-15days since they would send the check by mail and I said that was fine. 

Because the account is inactive, I can not close the account or access my funds. I asked how I activate my account- I was on chat for almost an hour then tried by phone for with Citi, and both said the same thing : the only way to re-activate the account is through a mail with my account number in the file. I expressed heavy concerns that I both could not track the status of this request and did not trust the security of sending this. I was told that the only way to access the account would be with this. I asked if a deposit into the account would reactivate it and they said it would not. I did not receive letters saying the account was inactive nor warning me of this. So far, I have taken off half a day of work with no resolution in getting my funds from my 'Accelerate Savings ; ( high interest savings ) Account. 

I expressed heavy concern that I would not be able to track the status of my request moving along nor that I would know if the mail was successful and that this would cause unnecessary delays in accessing my funds.

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 2022-10-04 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: LA

Complaint narrative:
I got my daughter a Venmo card to try to teach her responsible finance and money budgeting. I put {$10.00} on her Venmo card. Venmo asked her to verify that she was XXXX XXXX XXXX. Shes not. Shes only XXXX. We didnt know that you had to be XXXX. So Ive called Venmo, emailed them. I asked for my {$10.00} back. They said they need permission from my XXXX XXXX XXXX in order to refund my money. She gave them permission and they still wont give me back my {$10.00}. Its only {$10.00} but cmon.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-10-04 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Compass Recovery Group, LLC
State: FL

Complaint narrative:
daily telephone calls to myself as well as my father.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: PNC Bank N.A.
State: FL

Complaint narrative:
I submitted a loan application & was initially given a pre-approval from XXXX XXXX. After that he stopped responding to calls & texts. I then contacted XXXX XXXX by phone & left several messages for him with no response. I emailed XXXX XXXX asking to return my documents which includes tax returns, bank account numbers, my address, my social security number, date of birth, & other personal info that would allow me to become a victim of ID theft. To date no one has returned my calls or messages. At this point I simply want my documents back so I can safely store them.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-04 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: SYNCHRONY FINANCIAL
State: IA

Complaint narrative:
I had two Care Credit/Synchrony Bank Cards ( for XXXX providers ) in the past. 

I thought both accounts are closed : The CARECREDIT / SYNCHRONY BANK website states : Important This account has been closed. No further purchases will be allowed. 
It shows no balance on my account Now that I have a new dog I want to open a new account. But my applications are denied stating, Existing account with our credit program. 

If the website says my account is closed and the letter states I have an existing account then someone must be using my Social Security number FRADULENTLY.

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 2022-10-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: ME

Complaint narrative:
My TransUnion credit report shows XXXX XXXX with adverse information. In XXXX I was working with XXXX XXXX XXXX to modify my home loan via XXXX XXXX XXXX here in XXXX XXXX XXXX. While in mediation, XXXX XXXX purchased my loan from XXXX. In mediation, all payments and foreclosure proceedings have a court ordered STAY until the modification is complete. XXXX knew they had purchased a loan in modification. Nonetheless, marked my loan as 120 days overdue in XXXX of XXXX. The modification was completed in XXXX of XXXX and I was never late with XXXX. To be eligible for the modification I had to make three on time payments commencing XX/XX/XXXX. This was successful. XXXX had no right to report my loan 120 days overdue to any credit bureau. Twice now I have written letters to both XXXX and TransUnion and mailed certified mail with return receipt. I just received a ruling from TransUnion that XXXX again reported the 120 day overdue. This is a major hit to my credit and an unfair practice.

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 2022-10-04 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:
Below was my previous complaint submitted asking for removal of this acct. based on the below referenced class action settlement of which my account was a part. The settlement agreement requires XXXX to delete or cause to be removed any and all negative info regarding my XXXX car loan account. XXXX investigated it and deleted it in response to my previous CFPB complaint but Experian from what I can tell did no real investigation and the item certainly was not removed. 

" Re : Acct : XXXX XXXX To Whom It May Concern : I am writing as a member of the nationwide class of the XXXX XXXX XXXX XXXX XXXX, No. XXXX class action settlement. Essentially XXXX XXXX was sued for predatory lending practices, improper notices in connection to collecting on loans as well as various violations of the UCC code. While I only received a small amount of money from the settlement as a class member, XXXX also agreed to request that the three nationwide consumer reporting companies XXXX, Experian, and XXXX delete trade-line information on your credit report related to your account with XXXX that is the subject of this case, as well as ceasing accrual of finance charges and late charges on deficiency balances. In fact, my XXXX XXXXXXXX XXXX was repossessed I believe 3 times during the requisite time period. This has not been done and this account still appears on my credit report The purpose of this letter is have this account removed entirely from my credit report as it is clearly having a negative impact on my credit as mandated by the aforementioned class action settlement agreement. I trust you will adequately investigate this matter and remove this tradeline within the timeframe as provided by law. '' The tradeline is still there and I was unable to ascertain what they investigated based on their overly vague response. I'm not sure how 2 credit bureaus can investigate the same item and then one removes it and the other doesnt. I would assume they would be verifying info in a similar fashion.

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 2022-10-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: UPGRADE, INC.
State: CA

Complaint narrative:
According to the response to the CFPB XXXX, Upgrade stated : " Due to our error in communicating, we have sent you an additional {$500.00} welcome bonus, to the XXXX XXXX XXXX  account we have on file, ending in XXXX '' Based on today 's phone communication with XXXX at XXXX XXXX PST XX/XX/2022, she admitted Upgrade made a false statement about having sent " an additional {$500.00} welcome bonus, to the XXXX XXXX XXXX  account we have on file, ending in XXXX '', and instead will send a check for this amount to the address on file, without specifying when it will happen - " some time in the future '' A false statement to a Government Agency XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
Recently, i did an investigation on my credit report which caused XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and U.S. code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate. 

The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there when there are several inaccuracies showing on my report? 

As a consumer, I request to know all the steps your agency took to insure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: KS

Complaint narrative:
I requested Experian to delete the names and addresses which are listed below except my Name and Address as shown in the attached copy of my Government issued identification card which I attached. 

The Bureaus did not make changes as I requested to protect and avoid my possible identity theft.

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 2022-10-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I notice a company called XXXX has been reporting on my credit report which is causing me a great amount of stress and has lowered my credit score tremendously. I did contact them send proof such as police report, ID and FTC report letting them know that these accounts are due to identity theft. I have not agreement with them or sign no contract with them to take out any loan. They emailed me the documents I requested and the date that is on there is XX/XX/2022.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I notice a company called XXXX has been reporting on my credit report which is causing me a great amount of stress and has lowered my credit score tremendously. I did contact them send proof such as police report, ID and FTC report letting them know that these accounts are due to identity theft. I have not agreement with them or sign no contract with them to take out any loan. They emailed me the documents I requested and the date that is on there is XX/XX/2022.

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 2022-10-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
Capital One froze my card and told me to send in some documents to have my card unlocked. 

I did so and they still havent unlocked my card. I advised them that I live in Florida and we just experienced a hurricane and I really need my card unlocked. 

They still have my account locked.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-04 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: U.S. BANCORP
State: CA

Complaint narrative:
There were accounts trying to be opened in my name for US Bank, XXXX  XXXX XXXX and XXXX XXXX. It looks like some of the mail may be fraud.

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 2022-10-04 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

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 2022-10-04 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: NJ

Complaint narrative:
I noticed a few accounts on my report I do not recognize

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 2022-10-04 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: MI

Complaint narrative:
I was made aware in XXXX that there was transactions being made that I was unaware of and never authorized. This has continued to happen and become increasingly more frequent as well as the amounts being transferred. The common source of these payments are all from online gambling or casino sites and transfered from the same account. I tried addressing it with PayPal with NO RESOLUTION!! I have been scammed out THOUSANDS of dollars across multiple accounts. I can't get this to stop! I have made police reports and filed every possible form I know to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-04 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: EQUIFAX, INC.
State: VA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX XXXX violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: NC

Complaint narrative:
I have been disputing this account for almost a year both with the credit bureaus and creditor and is very unsuccessful. I requested for reinvestigation and documents how the investigation was done and i have not received anything back as yet. I filed a police report and gave them all the documents to help with the investigation and also mailed them twice, it came back as undeliverable. They fail to investigate the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: NAVY FEDERAL CREDIT UNION
State: CO

Complaint narrative:
In XXXX My truck was broken into items were stolen that morning I had a police report I notified the bank XXXX was stolen out of my business account and {$1800.00} was stolen out of my personal account I told my bank at navy federal fraud has been on my accounts. It happen to be navy federal to navy federal transfer I told them I did not nor have I ever sent money to this person or have I EVER sent that much money to anyone EVER!!! They told me it wasnt there fault with no explanation or anything

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-10-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
In accordance with the fair credit reporting act XXXX account # XXXX, has violated my rights. 

15 u.s.c 1681 section 602 A. States that I have the right to privacy 15 u.s.c 1681 section 604 A section 2 ; it also states a consumer reporting agency can not furnish a account without my instructions

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 2022-10-04 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: EQUIFAX, INC.
State: IL

Complaint narrative:
In accordance with the fair credit reporting act XXXX  account # XXXX, has violated my rights. 

15 u.s.c 1681 section 602 A. States that I have the right to privacy 15 u.s.c 1681 section 604 A section 2 ; it also states a consumer reporting agency can not furnish a account without my instructions

Company response to consumer: Closed with explanation