vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-10-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: ALLY FINANCIAL INC.
State: FL

Complaint narrative:
In XX/XX/2020, I submitted letters to all three credit bureau 's as well as submitted a complaint through Consumer Finance and was advised to contact the companies directly to have the inquiries removed. I did not submit an inquiry to have my credit run for any auto loan and now I have several inquires posted on my credit report nor did I authorize my credit to be run.

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 2020-10-06 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 — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
I tried to get my annual credit report from Equifax on XX/XX/XXXX. After asking several questions all of which the answer was " none of the above '' the website said " We are not able to deliver your free Equifax Annual Credit Report online. ". 

I then tried to use my.equifax.com service which was provided as the breach settlement. Attempts to login gave " We are temporarily unable to complete this request. ". 

I tried both of these again on XX/XX/XXXX with the same result. That inability does not appear temporary. 

Also because of the login failure I am unable to freeze or unfreeze my credit. 

I believe they are in violation of several rules by denying these online features.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-06 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: MN

Complaint narrative:
On XX/XX/XXXX I made a purchase from a merchant for {$120.00} using PayPal checkout to process my Visa card. The order was delivered on XX/XX/XXXX without issue, and everything seemed to be fine. I then started receiving calls from my bank that my checking account was overdrawn and when I was going to get it caught up, they explained that my account had been debited by PayPal for {$100.00} on XX/XX/XXXX and again XX/XX/XXXX. I found this to be extremely strange since the credit card I had used to pay for the item was debited without issue, and all my checking accounts connected to PayPal are used strictly for depositing only, while my credit cards are marked as my preferred way to pay. 

Then on XX/XX/XXXX I paid my XXXX bill of {$50.00} with my credit card and my checking account was again debited on XX/XX/XXXX for the same amount. I called PayPal on XX/XX/XXXX to complain and was met with an expletive laden string of verbal abuse after patiently waiting 35 minutes for assistance. Since I received no help, I decided to remove my bank accounts from the PayPal platform but it didn't seem to work because I was billed again today, XX/XX/XXXX, for the same transaction again. 

From just these four overdrafts ( $ XXXX/ea ) alone, PayPal is directly responsible for {$130.00} in damages to me. In addition, on XX/XX/XXXX I received an unsolicited payment from an XXXX buyer for an order which the buyer had originally cancelled but then later paid for after I had already sold to the next bidder, I refunded the payment but PayPal decided to steal {$23.00} for a " service fee '' and will not give it back even though they provided me no service. 

To sum it up, PayPal owes me {$150.00} and will not do anything to help.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-06 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
THE DISPUTED ACCOUNT HAS BEEN HINDERING MY CREDIT AND HAS BEEN AFFECTING MY CHANCES OF ACQUIRING NEW CREDIT. PLEASE HAVE THIS ACCOUNT REMOVE OFF MY CREDIT. THE ACCOUNT IS A CLOSED ACCOUNT XXXX HAS BEEN PAID FOR IN A SETTLEMENT AGREEMENT. FOR YOUR CONVENIENCE, I HAVE ATTACHED A LETTER SHOWING PROOF OF THE AGREEMENT.

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 2020-10-06 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: NC

Complaint narrative:
I have had to call Mohela Monthly in order for them to pull my loan payments. They have either not pulled the loan or have attempted to overcharge me. I have spoken to the supervisors several times with no resolution of the situation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-06 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Phoenix Financial Services LLC
State: TX

Complaint narrative:
On XX/XX/2020, I received a notice on my credit report that I owed {$2000.00} to Phoenix Financial Service. Original date was XX/XX/2020. Due to my XXXX I often XXXX  at work, or was XXXX or XXXX, and would be taken to the hospital without my consent

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-06 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ERC
State: MD

Complaint narrative:
I recently put a freeze on my reports last month XX/XX/2020 soon after a non authorized account appeared on my report that is not mine and I would like it to be removed

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-06 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: CA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$2300.00}, {$8800.00}, {$8800.00}, {$1400.00}, {$420.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and  pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2300.00} -This is not my account. 

2. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$8800.00} -This is not my account. 

XXXX. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$8800.00} -This is not my account. 


-- AUTO ACCOUNT 4. XXXX XXXX XXXX CO with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1400.00} -This is not my account. 


-- COLLECTION ACCOUNTS 5. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$420.00} -This is not my 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 explanation
Consumer complaint received 2020-10-06 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: EQUIFAX, INC.
State: CA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$2300.00}, {$8800.00}, {$8800.00}, {$1400.00}, {$420.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, XXXX XXXX, and pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2300.00} -This is not my account. 

2. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$8800.00} -This is not my account. 

3. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$8800.00} -This is not my account. 


-- AUTO ACCOUNT 4. XXXX XXXX XXXX CO with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1400.00} -This is not my account. 


-- COLLECTION ACCOUNTS 5. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$420.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-06 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: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
Summary : I ordered six XXXX sets and received a pair of sunglasses ( not ordered ) instead. I have filed two disputes with Chase, both have been denied. Chase has refused to reverse the payment of {$130.00} to the merchant XXXX. Details follow below : 1. On XX/XX/2020, I placed an order through a XXXX site advertising a one-day sale on XXXX sets. I used my Chase Sapphire Preferred card to purchase the following XXXX sets : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX Ideas XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I never heard from the company ; never received any confirmations or contact information. 
3. After six weeks, I moved to cancel the charge. Chase indicated they contacted the merchant and my order was being shipped out.

4. I never received any shipping notifications or updates.

5. About two weeks later ( early XXXX ) I received a package with a pair of sunglasses inside. There was no accompanying paperwork, and the " sender '' information on the mailing label was cut off and in XXXX. Photos of the mailing box and sunglasses are included in attachment Chase re-dispute XXXX - Item NOT As Described.pdf 6. I did not connect these sunglasses with my order for XXXX sets, and filed a claim for charge reversal on the Chase website using the reason that the merchandise had not been received. 
7. In early XXXX, I received a claim denial from Chase dated XX/XX/XXXX. Chase claims that they contacted the merchant who says they shipped the merchandise to the address I provided. This denial letter is provided as attachment " CFPB Complaint Chase First Denial.pdf ( 93 KB ) '' 8. I re-contacted Chase to explain that I never received any XXXX sets, only a pair of sunglasses that were never requested. I was told to re-submit my dispute using the reason " merchandise not as requested. '' This re-dispute was submitted on XX/XX/XXXX, along with photos of the sunglasses and mailing box. This letter, photos of the sunglasses and mailing box are provided in attachment titled " Chase re-dispute XXXX - Item NOT As Described.pdf '' 9.On XX/XX/XXXX, I received another claim denial from Chase dated XX/XX/XXXX. No reason was provided. This denial letter is provided as attachment " CFPB Complaint Chase Second Denial.pdf ( 93 KB ) '' 10. I find this to be bad faith from both the merchant and Chase Bank. No one should be required to pay for merchandise they did not order ( sunglasses ) or merchandise they did not receive ( XXXX sets ).

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-10-06 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: MidAmerica Mortgage Inc
State: OK

Complaint narrative:
I was charged an escrow shortage on my Escrow review period XX/XX/XXXX - XX/XX/XXXX of XXXX through the company XXXX, I paid that shortage in one lump sum on XX/XX/XXXX to avoid having a large monthly payment of XXXX. The payments did go up slightly from XXXX to XXXX, but it was to balance the escrow going forward as this was for a new build home and property taxes were severely under estimated. The loan company continued to try to run the auto-payment for the amount shown on the escrow review as if I didn't make the lump sum payment, XXXX. They eventually resolved the amount taken in my autopay, however they charged me fees for the issue which they stated they would credit off my account, but never did. I called and every time they said they are taken care of, but it would appear on each statement. 

The company changed from XXXX to XXXX XXXX. XXXX XXXX sent an escrow review on XX/XX/XXXX. The review was wrong right from the start, as it showed my " current payment '' as XXXX, which was the amount from the last review if I didn't make my shortage payment, which as I stated before, I did make that shortage payment in full. 

It also shows charges for FHA loan and PMI. I do not have an FHA Loan, I have XXXX  XXXX Loan. I do not pay traditional PMI, I pay XXXXMI and those payments were set in my amortization schedule I received with my closing documents. 

The main issue causing the shortage is the difference between PMI I'm being wrongfully charged for XXXX and XXXX MI which was supposed to be XXXX per my amortization schedule. My property taxes also went up slightly XXXX, my homeowner 's hazard insurance with state farm stayed exactly the same. So my shortage should have only been around {$100.00}. 

I have contacted XXXX  XXXX 's customer service who told me the PMI and FHA charges are correct, however I have my loan documents and I not sign for a FHA loan with traditional PMI, my documents specify this is a XXXX  XXXX with XXXX. 

Please review this, I will attach my Escrow review from XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-06 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I began reporting discrepancies and disputing incorrect items on my Credit Report ( s ) to EACH of the three ( 3 ) Agencies ( Experian, XXXX  & XXXX  ) in XXXX. 
To date, XX/XX/XXXX, NO RESOLUTION has been achieved from any of these three ( 3 ) Agencies. 
I have sent as Many AS Many as thirty-five to some. 
I now believe I am the VICTIM of " AGE DISCRIMINATION ''

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 2020-10-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: GUARANTEED RATE INC.
State: IL

Complaint narrative:
Guaranteed Rate denied our application for a mortgage on XX/XX/XXXX and, despite repeated requests, did not provide a written denial notice or adverse action notice within the 30 day window required.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-06 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Capstone Credit & Collection, LLC.
State: FL

Complaint narrative:
Paid apartment complex debt off and debt is showing on my credit report as paid however not deleted. The rep verbally told me that the item would be deleted. 

Capstone collection ( XXXXXXXX XXXX XXXX XXXX XXXX ) XXXX  balance paid on XXXX XXXX ... 
Capstone collection ( XXXX XXXX ) XXXX  balance paid on XX/XX/XXXX XXXX ... 

Both accounts paid and NOT deleted as stated to me verbally during the transaction of paying this debt off..

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: American Credit Acceptance, LLC
State: FL

Complaint narrative:
In XX/XX/2020, I submitted letters to all three credit bureau 's as well as submitted a complaint through Consumer Finance and was advised to contact the companies directly to have the inquiries removed. I did not submit an inquiry to have my credit run for any auto loan and now I have several inquires posted on my credit report nor did I authorize my credit to be run.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: U.S. BANCORP
State: IL

Complaint narrative:
I'm filling a complaint against U.S bank for causing errors to my account and leaving my account in the negative for not filling my disputes correctly and using a excuse they need extra information when in effect I gave them all the correct information to put in the system but they refuse to take down the information I give them and put it in the system probably the most terrible customer service I have come across in my life with that being said I would like a full credit back into my account of {$67.00} due to lack of customer service skills and errors of U.S bank

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 2020-10-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND INACCURATE SOME ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE INQUIRIES HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT AND TO MYSELF. I HAVE KNOW IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION TO BE ABLE TO DO SUCH A THING TO ME. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THESE INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE.

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 2020-10-06 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: SUNRISE CREDIT SERVICES, INC
State: TX

Complaint narrative:
My name is XXXX XXXX ( formerly XXXX XXXX ) and I was a previous student in XXXX University 's XXXX XXXX XXXX in XX/XX/XXXX. In XXXX I suffered health issue and was unable to continue my classes. I received a bill in XX/XX/XXXX for {$2900.00} due to me dropping classes at a certain point. Fast forward to XX/XX/XXXX, and I am not attempting to purchase a house and there is a recent inquiry from Sunrise Credit Services on my XXXX  credit report. Unbeknownst to me I did not receive any letter or notification of this new debt that has a date of XX/XX/XXXX. Sunrise Credit Services Manager XXXX XXXX, claims that XXXX refuses to negotiate this debt. I spoke to three representatives at XXXX XXXX XXXX XXXX XXXX  that stated the account was indeed sent to collections on XX/XX/XXXX. According to Mr. XXXX, XXXX and Sunrise Credit Services did not become affiliated until XXXX. I am very upset that this recent inquiry is jeopardizing my livelihood and attempted to ask for some resolve from Sunrise Credit Services. I have never received any letter or any form of documentation of the account. All I have is an account number : 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 2020-10-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Klarna AB
State: FL

Complaint narrative:
In XX/XX/2020, I submitted letters to all three credit bureau 's as well as submitted a complaint through Consumer Finance and was advised to contact the companies directly to have the inquiries removed. I did not submit an inquiry to have my credit run for any auto loan and now I have several inquires posted on my credit report nor did I authorize my credit to be run.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Westlake Services, LLC
State: FL

Complaint narrative:
In XX/XX/2020, I submitted letters to all three credit bureau 's as well as submitted a complaint through Consumer Finance and was advised to contact the companies directly to have the inquiries removed. I did not submit an inquiry to have my credit run for any auto loan and now I have several inquires posted on my credit report nor did I authorize my credit to be run.

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