vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-04-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: CITIBANK, N.A.
State: MA

Complaint narrative:
Amidst this worldwide crisis that we are facing with all that is going on this pandemic has been carrying away the livelihood and jobs are affected by it, still, it is very important to me to have a good and positive remark on my report. I have contacted the creditor, 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 the 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 2021-04-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I requested information from a company that is reporting on my credit file a XXXX XXXX and have not received any information from them. I sent a request for validation of debt and they have not sent me anything. If XXXX XXXX doesn't respond to the consumer about a debt they indicate to be mine then how are the bureaus getting their information?

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 2021-04-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I requested information from a company that is reporting on my credit file a XXXX XXXX and have not received any information from them. I sent a request for validation of debt and they have not sent me anything. If XXXX XXXX doesn't respond to the consumer about a debt they indicate to be mine then how are the bureaus getting their information?

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 2021-04-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I requested information from a company that is reporting on my credit file a XXXX XXXX and have not received any information from them. I sent a request for validation of debt and they have not sent me anything. If XXXX XXXX doesn't respond to the consumer about a debt they indicate to be mine then how are the bureaus getting their information?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: KY

Complaint narrative:
I have been receiving 2 calls a day frequently from numbers associated with Midland Credit Management. I went to their website and tried to look up an account with the information the website asked for ( last name, birthday, and last 4 of my social ) but nothing came up. I called today ( XX/XX/XXXX ) to find out what I had in collections with them, but the woman that I spoke to ( didnt get any names of any employees ) wasnt able to find an account in my name either. She gave me the number XXXX to call and check with them, too. I called the number and the man who answered asked for my social, so I gave him the last 4 just like I did when speaking to the woman from before. He said No, I need your full social security number. I responded is there another way you can look it up, cause I dont feel comfortable giving you my full social and he seemed to get an attitude after that, but verified that I didnt have an account with them. I then called their complaint line and explained to the man who answered that I wanted to file a complaint because I had been getting calls about an account that they didnt even have with me, so the man tried to look up my account and told me I didnt have one so there was no reason to file a complaint. I responded that regardless, I wanted to speak to a manager or supervisor because they have been harassing me over debts that I dont have. He said he would transfer me to a manager but I was just left on hold until I hung up 10 minutes later.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Movement Mortgage LLC
State: IN

Complaint narrative:
I closed a loan with Movement Mortgage on XX/XX/2021. I worked with XXXX XXXX NMLS XXXX4 ( he is the loan officer ) in my last loan. So I'm existing borrower/customer with Movement mortgage. I reached out to XXXX XXXX on XX/XX/2021 asking for some details on my upcoming cash-out refinance application. His response was that " Thank you for the opportunity to work with you again. I think it would be in everyones best interest if you use a different mortgage company moving forward. '' He basically refused to even accept my loan application without telling me why. I sent another follow-up email to him asking why and he never replied. It made me very puzzled and perplexed. Is it discriminatory against customer? I have email from XXXX as proof.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Reason # 1 : The tradeline is not reporting on XXXX  credit report. 
Per FCRA accounts must report accurately or they must be removed immediately. This is an inconsistency. XXXX  deleted the tradeline back in XX/XX/2020. I have documentation as well. 

Reason # 2 : The original lender verified the account was purchased by XXXX XXXX XXXX, XXXX XXXX XXXX XXXX. XXXX investigated and closed the account. As well as sent the credit agency 's documentation back in XX/XX/2020 to delete the account. I've sent in documentation from the original creditor and XXXX to show proof as well. The tradeline is still presenting on my credit report. The credit bureau is refusing to delete the tradeline. This was over a year ago.

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 2021-04-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I submitted a dispute with Experian on XX/XX/2021 regarding a collection account that had been paid and the creditor agreed to request that their trade line be deleted from my credit report. Experian is refusing to delete the trade line even though I have provided proof in the form of a letter from the creditor indicating that this item should be removed. They also sent their own request. This trade line has been removed from XXXX  and XXXX  and this is affecting my ability to get a mortgage.

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 2021-04-14 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: OH

Complaint narrative:
Someone is using my email address to send money from paypal to another person. I do not have a paypal account. I received an email from pay pal saying a person named XXXX XXXX used my email address ( XXXX ) to send {$240.00} to a person named XXXX XXXX 0n XXXX the receiver email address was XXXX I contacted paypay, they gave me the run around, wasn't able to get to the bottom of problem. This sounds like an illegal money transfer using my email address. My name is XXXX XXXX. my email address is XXXX. I would appreciate any help in this matter. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Long & Foster Financial Services, Inc.
State: GA

Complaint narrative:
This is a nightmare. I am in tears when i wake up cause i know she is going to present me with lies, XXXX  and unfairly lender practice. I am pushed me to XXXX. I dont care about the house anymore, waking it is sad cause I have to deal with the lenders bullying. I dont want to wake up or deal with this anymore. 

Nothing has been done fairly or legally. My lender does not ' talk to me she just drafts what she wants in the loan and we keep on and keep on changing it. not because of me but because she takes it on herself to set the loan up how she want. NO matter how many times I tell her not to. At that point I think she keeps doing this so I will not have a disclosure. and she will keep doing it until closing. I am suppose to close on XXXX and I have no idea what my loan paperwork looks like. I am IN THE XXXX. 

She changes my loan to different types of loans without asking me. On more than once keeps trying to get my to get a larger amount that what I want or need. Today I kept yelling I don't want a bigger loan. She just keeps bullying me. 

She has always told me she was applying for {$20000.00} grant then i say on the form she did {$25000.00}. said she didt know if she would get it or not so she didnt want to tell me. That is XXXX! I have been begging and begging for her to lock my interest rate. been 7 days I still do not see papers showing my rates have ever been locked. I can go on and on.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
I was on vacation across county with my husband. I kept getting calls about paying money to a credit card company. I thought it was a scam because they could not give me further information. I refused to pay it. I always pay all my bills. You can clearly look and see that in my credit report. I thought that this account was closed. Apparently the card was used and I did not know that. I think the cost was around $ XXXX {$40.00} but with fees and interest I ended up paying over {$100.00}. I closed the account. The entire time they were calling to collect, I assumed because of their shady attitudes it was a scam. Especially since I was traveling across country at the time. If you look into the account I did not use that card for years. Then, all the sudden it has a balance. I paid it off, closed if, they agreed they wouldnt hit my credit, but still to this day it is effecting my credit. I would have a perfect score otherwise. I thought their was a final understanding. Now I have a mark on my credit that states I did not pay something for 120 days when clearly it was a total misunderstanding. I would like this fixed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-14 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 Limited/closed my account for no reason AGAIN! they have already done this 3 times this month and it is severly effecting my business. 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 XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY

Complaint narrative:
I have disputed the inaccurate reportings with TransUnion, XXXX, and XXXX  several times to no avail. The following addresses are incorrect and do not belong to me, XXXX XXXX XXXX XXXX XXXX XXXX, OK XXXX, XXXX XXXX XXXX XXXX, VA XXXX, XXXX XXXX XXXX XXXX, KY XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, KY XXXX, XXXX XXXX XXXX XXXX, KY XXXX, XXXX XXXX XXXX XXXX, KY XXXX. The following accounts do not belong to me and should be removed from my credit file, XXXX  XXXX  Account Number XXXX TransUnion is  reporting an opened date of XX/XX/XXXX with a balance of {$540.00}, XXXX is reporting an opened date of XX/XX/XXXX with no balance, and XXXX  is reporting an opened date of XX/XX/XXXX with a balance of {$540.00}, XXXX XXXX XXXX  XXXX XXXX Account Number XXXX TransUnion is not reporting this account, XXXX is reporting an opened date of XX/XX/XXXX with no balance, XXXX  is reporting an opened date of XX/XX/XXXX with a balance of {$530.00}, XXXX XXXX Account XXXX XXXX TransUnion is reporting an opened date of XX/XX/XXXX with a balance of {$1500.00}, XXXX  and XXXX are not XXXX this account, XXXX/XXXX  Account Number XXXX TransUnion is reporting an opened date of XX/XX/XXXX with a balance of {$850.00}, Experian and XXXX  are reporting an XXXX date of XX/XX/XXXX with a balance of {$850.00}, XXXX Account Number XXXX TransUnion is not reporting this account, XXXX  is not reporting this account and XXXX  is reporting an opened date of XX/XX/XXXX with a balance of {$810.00}, CHAPTER XXXX BANKRUPTCY Reference Number : XXXX TransUnion and XXXX  are reporting a filed date of XX/XX/XXXX and a closing date of XX/XX/XXXX, XXXX is reporting a filed date of XX/XX/XXXX with no closing date. I have reached out to the credit bureaus to help me in getting this matter resolved. Is TransUnion, XXXX  and XXXX considered to be furnishers? These accounts either do not belong to me or were not paid late and TransUnion, XXXX  and XXXX  have failed to plead their case to who has provided them with this false information. Please help me to get this matter resolved.

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 2021-04-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TOYOTA MOTOR CREDIT CORPORATION
State: FL

Complaint narrative:
My wife and I entered a lease agreement on XXXX XXXX, 2021. We leased the vehicle at XXXX XXXX XXXX in XXXX XXXX XXXX Florida. We were told at the time of the lease that XXXX XXXX XXXX  ( XXXX  ) would be handling the lease process. XXXX  is named as the Lessor on the agreement we signed. We later learned that the incorrect address was entered on the lease agreement. We learned this when we received our plate and registration. We called to dealer and the State of Florida to update in XX/XX/2021. 

We tried calling XXXX  and they told us they had no record of the lease and said it may take time for the lease to be entered in their system. So we waited. The dealer told us they fixed the address on their side. 

Since the address was incorrect and the Lessor name where both incorrect on the lease agreement we did not receive any correspondence from the Lessor. It was not until a late payment notice went out to XXXX  that we learned another company may have our lease. We contacted the dealer to find that XXXX  was not the Lessor, but XXXX XXXX XXXX. 

We called and explained the issue to Mazda saying : 1. The address was incorrect on the lease. 
2. The Lessor info was incorrect on the Lease Agreement. 
3. Mazda  maintains they called but where unable to leave a message. This can not be true since the number they have on file is a work number. This VM is monitored regularly. 

We corrected the issues as soon as we knew the parties. We asked that Mazda  remove the late payment submission to XXXX. They said we would need to file a complaint. 

We are only asking that Mazda remove the negative information from our bureau reports. This reduced our credit score by 89 points and ruins a blemish free 7 or 8 year track record. 

Does Mazda not conduct even basic due diligence on their new consumers prior to entering a relationship? I understand this due diligence is an industry best practice. A simple look up of our information on any public records database would have revealed that the address was incorrect. In fact a typo had been entered from XXXX  ( correct address ) to XXXX  ( incorrect address ). Would they not have done any due diligence when the first payment was late? 

The incorrect address is an address that does not exist. This means that USPS would have returned the mail as undeliverable. Again a simple look up of our information would have revealed the incorrect information had been entered. Would they have not called the numbers listed on the agreement? Or made attempts to contact me? 

Since the Lessor info was incorrect we had no avenue to get this info updated. 

Please feel free to contact me directly at XXXX or XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: PNC Bank N.A.
State: FL

Complaint narrative:
I received a letter with a Debit card on XX/XX/2021, and the following day XX/XX/2021 I received a letter saying " Thank you for opening new account ( s ) with PNC. '' and lower down on the letter list 3 accounts that I DID NOT OPEN. 

I called PNC bank, and they told me I'll be receiving a call form an investigator, which have not came yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-14 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: CREDIT ACCEPTANCE CORPORATION
State: DC

Complaint narrative:
Credit Acceptance continue to report on my credits report the incorrect balance, I have an agreement with them which I have kept paying them {$200.00} bi-weekly, monthly they have been reporting, I'm not paying which lowers my credit score I have a log from them that I have been paying as required.

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 2021-04-14 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: FL

Complaint narrative:
Submitted a request to Equifax to place a security freeze on my minor daughter 's account. ( XXXX  and XXXX  completed my request and gave me a pin for the security freeze ). Equifax took my money cashed it for the request and never sent me a pin # or confirmed the security freeze was on my daughter 's account. 


I submitted my request on XX/XX/2018 but to no avail. I also filed a complaint id # XXXX with CFPB but Equifax fail to send the pin # for my daughter 's credit report freeze. 


See attach the request I sent to them and the check that they cash but they fail to conclude with the request. ( XXXX  and XXXX  has placed security freezes on my daughter account and send me a pin ) Exquifax has not.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
ON XX/XX/2021 I CONTACTED EXPERIAN VIA CERTIFIED MAIL AND PRESENTED THEM WITH AN AFFIDAVIT OF TRUTH. AS WELL AS A CFPB COMPLAINT THE COMPLAINT WAS FRAUDULENTLY CLOSED OUT BY EXPERIAN. EXPERIAN CLAIMED THAT THIS COMPLAINT WAS CLOSED OUT DUE THE COMPLAINT AND MAIL BEING SENT IN BY AN UNAUTHORIZED THIRD PARTY. THERE IS NO THIRD PARTY WHICH THEY ARE AWARE OF BECAUSE MY AFFIDAVIT WAS NOTARIZED AND AT THE TIME OF NOTARY I HAD TO PRESENT A DRIVERS LICENSE AND SWEAR THAT ALL INFORMATION ON THE AFFIDAVIT OF TRUTH WAS ACCURATE. EXPERIAN HAS PULLED THIS STUNT TOO MANY TIMES CLAIMING THAT THE LANGUAGE WAS TOO PROFESSIONAL. ACCORDING TO FEDERAL LAW ALL CONSUMERS HAVE THE RIGHT TO EXERCISE LAW FOR THEMSELVES. AS A FEDERALLY PROTECTED CONSUMERS HAVE DECIDED TO INVOKE MY SPECIFIED REMEDY. HOWEVER AS OF NOW EXPERIAN HAS VIOLATED MY CONSUMERS RIGHTS 24 TIMES AND I HAVE DEMANDED THE REMOVAL OF 5 ACCOUNTS AND I WILL SEE TO THE FACT THAT THEY ARE REMOVED IMMEDIATELY OR I WILL NOT HESITATE TO ESCALATE THESE VIOLATIONS. AS THEY HAVE VIOLATED MY RIGHTS, DEFAMED MY CHARACTER AND HAS WRECKED COMPLETE HAVOC ON MY LIFE. EXPERIAN ALSO DO NOT HAVE A DIRECT POINT OF CONTACT FOR CONSUMERS WHICH MAKES RESOLVING ISSUES EVEN MORE OF A TASK.

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 2021-04-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
Reason # 1 : The tradeline is not reporting on XXXX  credit report. 
Per FCRA accounts must report accurately or they must be removed immediately. This is an inconsistency. XXXX  deleted the tradeline back in XX/XX/2020. I have documentation as well. 

Reason # 2 : The original lender verified the account was purchased by XXXX XXXX XXXX, XXXX ( XXXX ). XXXX investigated and closed the account. As well as sent the credit agency 's documentation back in XX/XX/2020 to delete the account. I've sent in documentation from the original creditor and XXXX  to show proof as well. The tradeline is still presenting on my credit report. The credit bureau is refusing to delete the tradeline. This was over a year ago.

Company response to consumer: Closed with explanation