vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-03-06 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I have submitted disputes for the inquires on my reports and no one has updated me yet ..

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-06 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: FL

Complaint narrative:
I have submitted disputes for the inquires on my reports and no one has updated me yet ..

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 2021-03-06 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: LoanCare, LLC
State: MD

Complaint narrative:
Have automatic payment on my mortgage. They did not take it out in XXXX and they should have. They admitted it was there fault. /they were going to send me a letter saying this.and they never did..

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 2021-03-06 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 will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for months but I just remembered 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 as I used PayPal quite frequently. My email linked to my PayPal is " XXXX ''

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-06 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Systems,Inc.
State: AZ

Complaint narrative:
I contacted National Credit Systems on XX/XX/XXXX offering to settle the account for {$2000.00}. I received a call back from the agent who is in charge of the account ( Mrs XXXX XXXX stating they can not accept that and will send me a verification letter within the 15 days it is now XX/XX/XXXX and they never sent any verification letter. This is part of what my letter stated The letter will be treated as a contract and subject to the laws of my state. 
As granted by the Fair Debt Collection Practices Act, I have the right to dispute this alleged debt. If I do not receive your postmarked response within 15 days, I will withdraw the offer and request full verification of this debt. 
Please forward your agreement to the address listed above.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-06 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: MD

Complaint narrative:
Have automatic payment on my mortgage. They did not take it out in XXXX and they should have. They admitted it was there fault. /they were going to send me a letter saying this.and they never did..

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-06 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — 
Company: REGIONS FINANCIAL CORPORATION
State: AL

Complaint narrative:
My dad opened a home equity loan in XXXX to remodel a room. He paid it off that same year but left the loan open just in case. In XXXX, XXXX he asked me to close it for him. He was very sick and at that time, I had POA. I went to the local branch with all my legal papers to close. The customer service agent helped me close the loan. Dad died XX/XX/XXXX. 2 days later I get a letter concerning the loan which is obviously still open. I return to the same agent with death certificate and she sends it to the legal department. This continues every month. Each time I go back to the bank and make phone calls. We are selling his house, closing XXXX. This will hold up the sale.

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 2021-03-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
XX/XX/2021 they checked my credit twice without my specific consent along with two other companies when a car dealer shared my information without my permission

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AR

Complaint narrative:
I HAVE TWO CAPITAL ONE ACCOUNT NO.XXXX, BECAUSE THE NATION EMERGENCY ( COVID-19 I HEREBY REQUESTS BOTH ACCOUNTS BE 1099-C DEBT CANCELLATION WITH I.R.S.TODAY AND CEASE ALL CREDIT REPORTING PLUS REMOVE ALL HARD CREDIT PULLS OR WILL FILE SUIT.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: CT

Complaint narrative:
My mortgage was sold to Shellpoint in XX/XX/XXXX. In XX/XX/XXXX I received a request for proof of insurance which I faxed over on XX/XX/XXXX ( policy was from XX/XX/XXXX to XX/XX/XXXX ). In XXXX I made sure to upload the new policy ( dated XX/XX/XXXX to XX/XX/XXXX ) to Shellpoint. I have attached proof that Shellpoint received both of these policies. In XX/XX/XXXX Shellpoint disbursed {$2200.00} from my escrow account. When I questioned this I was told it was for lender placed insurance that had been cancelled. I have been trying usuccessfully for months to find out why lender placed insurance was added to my account since I had provided them with all of the relevant insurance policies. I can't even tell you the number of people I've spoken to on the phone, none of whom gave me a straight answer. I do not escrow for any insurance as the mortgage is for a condo and the condo association maintains the insurance on the structure. The one response I did get from Shellpoint was that they had cancelled the lender placed insurance in XXXX, which still doesn't explain why over XXXX XXXX dollars was taken from my escrow in XXXX. Even if they placed insurance in XXXX and cancelled it in XXXX it wouldn't cost XXXX for less than one month. And now my mortgage payment has gone up for {$150.00} per month to cover the escrow shortage. I am truly hoping you can assist in getting my money returned to me. I am aware that mistakes happen, but Shellpoints unwillingness to correct the situation is unacceptable. By now they are in violation of Reg E as they have failed to address my concerns in a timely matter.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Santander Consumer USA Holdings Inc.
State: TX

Complaint narrative:
On XX/XX/XXXX and XXXX the car dealer shared my information with nine creditors without my consent. I never authorized chrysler to pull my creditl

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-06 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:
I requested proof for an account that is reporting incorrect payment to be verified by legal proof i.e. canceled check, payment receipt with signature and date, etc ... and if it was not provided that the account should be updated as paid never late. The time allowed by FCRA law has passed. The credit bureau returned the dispute as verified but when I requested information on how it was investigated and verified, I was not provided this requested information and the creditor continues to report the incorrect payment history and ignoring my many requests.

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 2021-03-06 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 will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for weeks but I just remembered 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 as I use PayPal quite frequently. My email linked to my PayPal is XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-06 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: WELLS FARGO & COMPANY
State: MA

Complaint narrative:
I want a removal of a credit remark. This remark is due to a late payment, that had occurreddue to changing of online payment portals - fromXXXX 
 Under the Fair Debt Collection Protection Act, I have the right to request that incorrect and unverified information be removed from my credit file. Wells Fargo moved their auto loan payment system from WellsFargoDealerServices.com to WellsFargo. I was under the expectation that it would be a seamless transition, as told to me by phone call to Wells Fargo customer care. Instead I realized I had to set up a new account on a different website. This is due to Wells Fargo error. Had perfect payment history with Wells Fargo before and after this. I have underlying causes and have been limited during covid 19. 

I was making payments on the Wells Fargo Dealer Services site until XX/XX/2020 when then found out it was no longer accessible, but by then it was too late. 

I have had perfect payment history aside from the late payment in XX/XX/2020 The customer service is horrible. I call up and feel like I am being berated by this company and they are mistreating me because of my ethnicity. I need this removed immediately or I will escalate.

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 2021-03-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XX/XX/XXXX is the last time my Experian credit report was updated/refreshed. Each time I login and request that the report is refreshed it gives the error message " An error occurred and we are currently unable to process your request ''. This error has been occurring since XXXX and it is now, XX/XX/XXXX. I reported the issue in XX/XX/XXXX, however, it is still happening. How is this company still allowed to operate in the U.S.A? It is impossible to reach a " live '' person by phone and something should be done about Experian. A legal action should take place that should shut them down from operating in the United States. I disputed an item and can not determine whether or not the item is removed from my Experian Credit Report. Also, on XX/XX/XXXX, I tried requesting a report via XXXX and received the message " not able to verify your information. '' I used the information from the last credit report I received on XX/XX/XXXX. Please help me access my information at Experian.

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 2021-03-06 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: VA

Complaint narrative:
the credit company is not complying with their own policies in a timely matter. and there has been over 30 days no response, dispute sent via mail XX/XX/2021 XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-06 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: Synovus Bank
State: AR

Complaint narrative:
BECAUSE OF THE NATIONAL EMERGENCY COVID-19 I AM REQUESTING XXXX XXXX XXXX XXXX XXXX ETC..TO CANCEL BOTH CARDS FURNISH XXXX TO THE IIRS.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-06 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: DISCOVER BANK
State: AR

Complaint narrative:
BECAUSE OF THE COVID-19 I AM REQUESTING XXXX TO CANCELATION OF CREDIT CARD EFFECTIVE TODAY XXXX TO IRS XXXX AND REMOVE ALL CREDIT REPORTING.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-06 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: MA

Complaint narrative:
I want a removal of a credit remark. This remark is due to a late payment, that had occurreddue to changing of online payment XXXX XXXX XXXX 
 Under the Fair Debt Collection Protection Act, I have the right to request that incorrect and unverified information be removed from my credit file. XXXX XXXX moved their auto loan payment system from XXXX  to XXXX. I was under the expectation that it would be a seamless transition, as told to me by phone call to XXXX XXXX customer care. Instead I realized I had to set up a new account on a different website. This is due to XXXX XXXX error. Had perfect payment history with XXXX XXXX before and after this. I have underlying causes and have been limited during covid 19. 

I was making payments on the XXXX XXXX XXXX XXXX site until XX/XX/2020 when then found out it was no longer accessible, but by then it was too late. 

I have had perfect payment history aside from the late payment in XX/XX/2020 The customer service is horrible. I call up and feel like I am being berated by this company and they are mistreating me because of my ethnicity. I need this removed immediately or I will escalate.

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 2021-03-06 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: ERC
State: MI

Complaint narrative:
XXXX XXXX referred a debt of {$61.00} to a collection agency without notifying me that the debt was ever owed. I logged into my XXXX account via their website and at no time or do this day does it suggest I owed any money. It displayed a XXXX dollar balance. They referred this to a collection agency which never contact me about it either. Collection agency : XXXX XXXX XXXX -XXXX FL XXXX reported this as a collection account for 6 months ( starting XXXX ) to all the credit bureaus without contacting me regarding this apparent debt that I was not aware existed. Negative financial and career impacts from having negative informaiton on an otherwise clean credit history is significant. This item needs to be deleted from all three credit reports as many laws were broken regarding notification of debt and also notification of collection account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-06 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: FL

Complaint narrative:
I have been contacting Navient since XXXX trying to acquire information on loans from XXXX, not the consolidated information that they have sent several times. My issue is with the information provided on the Federal Student Aid website does not match. When contacting the Student Aid website I was given a different response regarding the canceled loans than what Navient stated. Attached is a copy of that email and the canceled loan information. Most of the canceled loans had been applied correctly my issues are only with a few of them. I am not sure why I can not get this information, unless it no longer exists.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
XXXX XXXX  first created a problem when I always kept the bank afloat one day took a numberous authorized other wise termed nonauthorized at the time, withdrawal, but that tipped them to unliking sometimes, talking me, out of removal of disputable fees, and I suppose that one, thing is a causation, but then I look at Unemployment payment that made the positive last time account on XX/XX/XXXX and what happened while I would have had the money, it was a waiver I signed not to repay them the {$500.00} aproximate amount, and yes XXXX did take that moment the moneyback, and nothing else, but then in negative {$150.00} dollars with refunds coming, and deposits as they call it coming through seemingly, I said please, and they lied and they said wait the phone you can not be jusitifed by name or phone number anymore, so I said you won't tell me the account is closed, you closed the savings account in XX/XX/XXXX without permission, and now because I asked about the last fee waiver, they just closed up, and said I am not identified by anything, and will not but allow me to log in and nothing is on the screen, and I think it's abusive, that in the smallest overdraft which isn't my fault, and they questioned me because the deposit was missing of all of a sudden, then, I am a victim of this report by bank, and no one will give me a straight anger free answer, and I am looking for {$5000.00} compensation if for all fees, and they don't then want to justify how I am to love for the rest of the time, without a checking account, and I am XXXX  so that means also citizen, and I feel this is a direct discriminational effort, and I want the state to know about that, and I wrote the President because as XXXX and usual at another position, I don't know how to say us it is well, for the bank system, please thou help,

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 2021-03-06 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: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NJ

Complaint narrative:
I called USAA because I was experiencing a hardship due to COVID-19. I made an arrangement to make the payment betweenXX/XX/XXXX to XX/XX/XXXX. USAA negatively reported the account the credit bureaus on XX/XX/XXXXbefore the payment could be made. I called USAA about the credit reporting issue and made the payment to bring the account current. My credit report is still showing a negative mark and I think it is unfair and illegal to negatively impact customers consumer reports during a global pandemic, especially when there was an arrangement in place to pay by a certain date.

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