vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-12-05 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: LD Holdings Group, LLC
State: IL

Complaint narrative:
On XX/XX/2021 my spouse and I attempted to refinance our home to pay down debt. I solicited Loan Depot. XXXX XXXX was the " loan originator '' I spoke with that got the process started. I explained to him that we had a very bad experience with a loan servicing company named " XXXX XXXX '' and that we did not with to do any type of business with them. XXXX XXXX promised me that Loan Depot would not sell our home loan, that Loan Depot would be our permanent servicing company going forward. In a three week period, there were three loan estimates that contained multiple errors. XXXX XXXX flat stopped returning my phone calls and failed to respond via email. Additionally, after I submitted proof that I am property tax exempt Loan Depot started coming up with excuses not to move forward ; they wanted thousands for an ESCROW account that included property taxes. After I submitted proof of tax exemption, Loan Depot then said they could not prove I paid my mortgage payments during the last year. Loan Depot charged me up front for a credit report that clearly depicts my loan payments were made. I also had to pay up front for a VA appraisal. When I finally fired Loan Depot, it took me several emails to get my appraisal from them. Also, I did attempt to change offices with Loan Depot but they refused to allow that ; called me " demanding ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-05 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: FL

Complaint narrative:
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 
My request for the correction and removal of the erroneous information about my accounts has been diligently neglected by Equifax. I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, XXXX USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as wilful negligence and non-compliance with federal statutes. Please provide proof that the bureau 's description belongs on my report, otherwise change to PAID immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-05 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: MA

Complaint narrative:
I opened an Amazon Store Card with Synchrony Bank in XX/XX/2021, was granted a {$600.00} credit limit, and used it to purchase an XXXX XXXX XXXX. On XX/XX/2021 I made a payment of {$500.00}, leaving a balance on the card of {$94.00}, which should have made about {$500.00} available to spend. As of today, XX/XX/2021, the payment has posted to the account and cleared my bank ( as of XX/XX/XXXX ), but there is still only {$5.00} available credit. No other charges/purchases have been allowed to be made and there are no pending transactions. I have made about {$600.00} in purchases from XXXX XXXXn the past week ( XXXX gifts ) using other payment methods, but this lack of access to what should be available credit on the store card has caused me to not be able to take advantage of the 5 % cash back on such purchases. There was no notification made to me when I made this payment that it would not result in that amount of credit being available, and there has been no explanation for it visible on the online account information, nor has there been any notification of a change in the status of the account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-12-05 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: FL

Complaint narrative:
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 
My request for the correction and removal of the erroneous information about my accounts has been diligently neglected by TransUnion. I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as wilful negligence and non-compliance with federal statutes. Please provide proof that the bureau 's description belongs on my report, otherwise change to PAID immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-05 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: NC

Complaint narrative:
I TRIED TO GET EXPERIAN TO REMOVE FIVE ITEMS IN MY CREDIT FILE WITH THEM WITH NO AVAIL, THEY LIED, SAID THAT WOULD INVESTIGATE, THAT WAS A LIE, I KNOW THAT THEY DID NOT INVESTIGATE, BECAUSE I HAVE TWO ACCOUNT WITH XXXX XXXX, ONE WAS JUST ISSUE TWO WEEKS AGO, THEY NEED TO REMOVE ALL ACCOUNTS THAT ARE ON THE BOTTOM REPORT # XXXX DATED XX/XX/20 THAT HAS BEEN UPLOADED TO CFPB.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-05 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: VA

Complaint narrative:
I have looked at my consumer report XX/XX/2021 and I realized that my rights as a consumer were violated. Pursuant to FCRA 15 USC 1681b ( a ) ( 1 ) I have never given the consumer reporting agency any written permissible purpose to furnish any of the accounts that I disputed. Also they have violated 15 USC 1681a ( 2 ) ( b ) by not excluding such accounts that had anything to do with my credit card which is also my security card according to 15 USC 1602 ( i ). I sent a letter to the company explaining their violations and that they must remove any of the accounts that had no permissible purpose or had any association with my social security that I do not want on the consumer report and I have the LEGAL AND LAWFUL RIGHT to do so.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-05 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Thunderbird Collection Specialists, Inc.
State: AZ

Complaint narrative:
Thunderbird collection Specialist Inc placed a collection account on my credit bureaus that does not belong to me. They just decided I am responsible for this debt for XXXX XXXX XXXX. I am not and have never been seen or consulted by any doctors with this organization. They fraudulently report this to the credit bureaus in effort to illegally force me to pay this bill that is not mine. They have no documents showing I received services or requested services from this provider. It is not my bill, I demanded they remove my name any and all of my personal information from their system. I have never received services from this provider. This has impacted my credit substantially and is causing me a great deal of stress.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-05 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: BLINCLOANS, INC.
State: MD

Complaint narrative:
I would like to file a complaint against XXXX XXXX XXXX located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX. The complaint is in reference to XXXX failure to credit payment to my account in a timely manner as the delay may result in additional finance or other unnecessary fees. 

On XX/XX/2021, I received an installment loan in the amount of {$2000.00} from XXXX. The terms of the loan agreement require repayment bi-weekly by payroll allotment in the amount of {$89.00} with payments beginning on XX/XX/2021. 

XXXX XXXX XXXX received the first payment on XX/XX/2021 as shown in the payment history ( Attachment XXXX ). Payment was received before the due date because my employer provided the allotment early due to the XXXX XXXX XXXX on XX/XX/2021. 

On XX/XX/2021, I contacted XXXX, customer service representative at XXXX by chat to inquire about the XX/XX/2021 payment/allotment that was not showing in my account payment history. I was advised that my payment had been received, but likely had not posted yet due to the holiday ( Attachment 2 ). 

On the same day of XX/XX/XXXX after receiving confirmation of receipt of my payment, I received an email from XXXX XXXX, Retention Manager at XXXX that my XX/XX/2021 payment had not been received ; and furthermore, that OneBlincs grace period for credit report is ending and that I should make a payment to prevent any interruption in OneBlinc perks and/or fees. ( Attachment 3 ). 

On XX/XX/2021, I contacted XXXX, customer service representative at XXXX by chat to inquire about the XX/XX/2021 payment/allotment that was still not showing in my account payment history and also the email I received from XXXX XXXX XXXX I was informed that the payment had not posted and the email received regarding the missed payment was likely sent to me prematurely. ( Attachment 4 ). As of XX/XX/2021, XXXX has not provided an explanation why my payment has yet to be posted or updated my account information to reflect the XX/XX/2021 payment.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-05 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: Dynamic Recovery Solutions, LLC
State: AL

Complaint narrative:
Dynamic Recovery Solutions LLC placed an inaccurate collection from XXXX XXXX on my XXXX credit report. I do not have an account with XXXX XXXX. I never opened an account with XXXX XXXX on XX/XX/2021. Neither company can give me an explanation on the collection. This inaccurate information needs to be removed immediately. This is not my collection.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: U.S. BANCORP
State: CA

Complaint narrative:
XX/XX/XXXX I learned that my credit card account was closed by the company and that this reduced my credit score by XXXX XXXX while I was in the middle of applying for a mortgage for which my credit score was vital ; this can potentially result in my mortgage application being rejected or my suffering thousands of dollars in extra interest payments due to higher interest rates. 

I called the credit card company and they claimed they closed the account on XX/XX/XXXX because they had returned mail because I had moved. It does not make sense that they did not have my correct address because I had updated my address in XXXX for the brokerage account for which this credit card is linked. It is complete incompetence on their part not having the correct address and they are not taking any responsibility for the damages or doing anything to remedy it.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-05 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: IL

Complaint narrative:
Hello! I think I got scammed on Venmo ( https : //venmo.com/ ). Here is what happened : 1. On XXXX XXXX, 2021, at XXXX XXXX I received a transaction of {$570.00} from someone named XXXX XXXX XXXX whom I do not know at all. Moreover, I did not receive any email or text notification from Venmo about this transaction. 

2. On XXXX XXXX, 2021, at XXXX XXXX an amount of {$570.00} money was transferred from my Venmo account to a XXXX, XXXX XXXX Personal Checking account ending with XXXX. This checking account does not belong to me and I do not know whose account it is. It was not added to my Venmo account before. Moreover, this transaction was done without my authorization. Again, I did not receive any email or text notification from Venmo about this transaction. 

XXXX. On XXXX XXXX, 2021, at XXXX XXXX XXXX XXXX XXXX disputed the first transaction and Venmo approved his/her dispute. I received an email from Venmo about this dispute on XXXX XXXX, 2021, at XXXX XXXX. 

Now the result is I own Venmo {$570.00} and my Venmo account was frozen. 

I disputed the second transaction to Venmo and explained to them that this transaction is unauthorized, but they denied my request. 

I also emailed Venmo and explained what happened to me many times, and asked them to investigate these transactions, but they were not able to solve my issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-05 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
On XX/XX/2021, I purchased a Round Trip ticket from XXXX XXXX with my Capital One Credit Card in the amount of {$170.00}. 

On XX/XX/2021, I arrived at the airport. After refusing additional sales, the rep checked me in at XXXX. With the help from the airport staff, I was able to make it to the gate a few mins earlier than the boarding time. But XXXX refused to let me board the plane. Therefore I had to purchase another ticket immediately with XXXX XXXX in the amount of {$150.00} to keep up with my trip schedule. 

On XX/XX/2021, I was returning from XXXX, the XXXX staff told me that I needed to purchase another ticket on my own device because I missed my initial flight. How absurd? Thus I spent another {$140.00} for a returning flight, paid via Capital One credit card. 

I called capital one to dispute the transaction in the total amount of {$300.00} ( {$150.00} + {$140.00} ), Capital One issued a temp credit. 

On XX/XX/2021, Capital One took away the credit because the merchant responded that I didn't cancel the ticket and no show therefore I am not eligible to receive a refund. This response is completely irrelevant to my dispute claim. 

On XX/XX/2021, my attorney submitted the rebuttal letter requested by Capital One along with the evidence of a check-in voucher to prove that I showed up but XXXX didn't let me board the plane. 

On XX/XX/2021, Capital One sent a letter that they can not assist further and the decision has been made in favor of the merchant, even though the merchant didn't even provide any valid response. 

In XXXX, I filed my initial complaint against Capital One through CFPB. One month later, Capital One responded with a request of Power of Attorney, and then CFPB closed the complaint. I have no clue what capital one and CFPB are doing. I'm happy to copy and paste everything I just wrote continually until we solve this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-05 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: DC

Complaint narrative:
In XXXX I found a rental ad in the XXXX XXXX XXXX  XXXX rental section and began emailing the " property manager '', XXXX XXXX. I filled out a rental application, signed a lease to start XX/XX/XXXX, and on XX/XX/2021, sent {$2900.00} via XXXX transfer to the " landlord '' XXXX XXXX for first month 's rent and security deposit. I had a meeting XX/XX/XXXX with XXXX to view the property since I was moving to XXXX XXXX XXXX  from XXXX and could not view it beforehand. She never showed up, and a day later emailed back saying she was out of town and we could reschedule. There were no further emails from her after this point, no lease started XX/XX/XXXX, and I had to scramble to find a new place to live. I am now scammed out of {$2900.00} and can't pay rent. This is an authorized push payment fraud and I called and did a claim with Bank of America, my bank. They took down basic details of the situation and said they would contact me so I could submit further documents for the claim. I had a XXXX XXXX XXXX crimes police report, a XXXX XXXXXXXX Attorney 's report, a XXXX complaint filed, AND a federal trade commission report at this time to back up my claim. However, just this past week an entire MONTH later I receive a letter in the mail saying " research complete '' and the claim is denied. They never even got my documents to support my claim, how can research be complete?? I reached out to Bank of America again to appeal but they said all they could do was have someone from claims or social support call me. I gave them my information a few days ago and as of XX/XX/2021 haven't heard back. It's been a month and a half, I was scammed, my bank was supposed to protect me, and now I can't pay rent. This claims process is a joke.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-05 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:
I have looked at my consumer report XX/XX/2021 and I realized that my rights as a consumer were violated. Pursuant to FCRA 15 USC 1681b ( a ) ( 1 ) I have never given the consumer reporting agency any written permissible purpose to furnish any of the accounts that I disputed. Also they have violated 15 USC 1681a ( 2 ) ( b ) by not excluding such accounts that had anything to do with my credit card which is also my security card according to 15 USC 1602 ( i ). I sent a letter to the company explaining their violations and that they must remove any of the accounts that had no permissible purpose or had any association with my social security that I do not want on the consumer report and I have the LEGAL AND LAWFUL RIGHT to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
On XX/XX/XXXX, I opened Bank of America XXXX XXXX Banking Account after seeing an account opening bonus of {$100.00} online. Below are the bonus terms. 

I completed all the requirements but have not received the bonus yet. I called Bank of America. They told me that the offer was not valid, and they never had such offer. They were not willing to try other ways to fulfill the terms. 

Terms details : Open a Bank of America XXXX XXXX Banking XXXX Bank of America XXXX XXXX Banking XXXX Bank of America XXXX XXXX Banking checking account online. Use the code XXXX when enrolling. XXXX {$25.00} to open an Advantage SafeBalance account or {$100.00} to open an Advantage Plus or Advantage Relationship account. Receive qualifying direct deposits of at least {$1000.00} within the first 90 days of owning the account. Your account must be open and in good standing to receive the bonus. Additional terms and conditions apply. See offer page for more details.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-05 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
State: NY

Complaint narrative:
I am unable to send payments using my credit card, using VENMO. The payment is for my mother to help pay for car insurance. I would not want her to revive any over draft fees from her bank. I would like to resolve the issue as quickly as possible before the holidays. There explanation for the reason my account is that I needed to wait or use PayPal.

Company response to consumer: Closed with explanation