vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-12-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Social Finance, Inc.
State: NC

Complaint narrative:
During the refinance Process with Sofi from XXXX XXXX of XX/XX/2020, my property taxes were paid out to my government from XXXX XXXX. Sofi is now carrying a very high escrow balance that is not needed, and I need to be refunded that amount. I spoke with a customer rep for Sofi in XX/XX/2020, and she stated that I would be refunded the excess amount after my XX/XX/2020 payment was made and the escrow balance was reassessed. That did not happen. ON XX/XX/2020 I contacted Sofi again, and get getting hung up or dropped from the call, and no one could help me rectify the situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-30 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: Experian Information Solutions Inc.
State: VA

Complaint narrative:
In XX/XX/2018 I entered bankruptcy due to a failed buisness. I had personal guarantees which caused me to file for personal bankruptcy. During this time I had a car loan with XXXX XXXX. I never missed a payment and have since payed the car in full. I met all obligations of the loan contract but Experian has a negative report against me.

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 2020-12-30 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: ME

Complaint narrative:
i have tried to file a dispute multiple times over two years with the three credit bureaus. i have supplied verifying documentation. the credit bureaus have not updated the accounts with accurate information. i called the credit company and they said they were not able to supply accurate information or did not have the information required for the report. they requested that i supply them with their own documentation. furthermore, it is clear that the credit bureaus and credit provider have limited the ability for consumers to submit information or to contact them in ways that are significantly detrimental to average consumers. the corporate culture that has been developed is significantly detrimental to certain demographics too.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-30 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: ME

Complaint narrative:
i have tried to file a dispute multiple times over two years with the three credit bureaus. i have supplied verifying documentation. the credit bureaus have not updated the accounts with accurate information. i called the credit company and they said they were not able to supply accurate information or did not have the information required for the report. they requested that i supply them with their own documentation. furthermore, it is clear that the credit bureaus and credit provider have limited the ability for consumers to submit information or to contact them in ways that are significantly detrimental to average consumers. the corporate culture that has been developed is significantly detrimental to certain demographics too.

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 2020-12-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Paypal Holdings, Inc
State: MD

Complaint narrative:
I received a call from someone saying he was with PayPal and wanted to confirm my purchase of a cell phone to be shipped to XXXX. I had made no such purchase. He elicited some personal information from me. After that his calls continued and I began to be informed that different bank accounts had been opened in my name. I closed those fraudulent accounts. Fraudulent charges appeared on my credit cards and I had to replace those credit cards. Meanwhile, I was in touch directly with PayPal and learned I had a dormant account with them from several years prior of which I was not aware. Eventually, on XX/XX/XXXX, PayPal closed the account. Allegedly, I owed {$3400.00} in debts I never incurred. I learned this by an email received from XXXX XXXX XXXX on XX/XX/2020.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-30 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
On XX/XX/2020, XXXX XXXX XXXX XXXX XXXX, began charging me a recurring membership fee of {$19.00} / month on my BOA credit card. I'd never heard of XXXX XXXX and certainly never authorized this charge. I believe the membership was established by someone who bought my information after a BOA data breach. I don't hold XXXX responsible for originally establishing the fraudulent account. But XXXX, to my mind, has become a party to the fraud by not closing the membership, despite my efforts to get them to do so. 
I called the XXXX number for XXXX XXXX that was shown on my credit card statement. I got a recording that says XXXX doesn't answer or reply to telephone calls, and I should email XXXX  at XXXX. I've done that twice ( XX/XX/2020, and XX/XX/2020 ). No reply. 
I prowled through the XXXX website to see whether there was an online form or other method to contact XXXX. The website 's FAQ page says to touch the onscreen button at the lower right. There's no such onscreen button, at least not on the screen where I found the instruction. 
I wrote twice to Mr. XXXX XXXX, the CEO of XXXX, the holding company that owns XXXX ( XX/XX/2020, and XX/XX/2020 ). He was at the lowest responsible level I could find with a human being attached. 
The first letter seemed to elicit a response. On XX/XX/2020, a woman called me who identified herself as XXXX from XXXX XXXX. She told me that XXXX was cancelling my account and dropping all charges. Unfortunately, I didn't ask for her last name or contact information, nor for written confirmation of what she told me. Neither did she offer to provide any of these things. They seemed unnecessary, because the matter seemed resolved. I noticed that my Caller ID showed a telephone number, but didn't identify it with a name. That seemed ( and maybe was ) insignificant. 
I heard nothing more from XXXX XXXX during XXXX, XXXX, and XXXX. Then, on XX/XX/2020, XXXX resumed charging me {$19.00}. On XX/XX/2020, I wrote again to Mr. XXXX, again by certified mail. This time the letter was returned to me, unopened and ( obviously ) unread. The envelope was marked that the mailing address was incomplete and the office couldn't be found. It was, of course, the HQ of XXXX, at the same address, where I'd written to Mr. XXXX 4 months earlier -- which raises the question, if the CEO 's office could be found at that address in XXXX, why not in XXXX? I assumed the letter was being refused. 
Meanwhile, on XX/XX/2020, XXXX charged another {$19.00} to my credit card. 
I recently managed to find, tucked away in an obscure corner of the XXXX website, the address of XXXX XXXX legal department. Yesterday XX/XX/2020, I sent them a letter, too ( certified mail ). I told them I'm also contacting you.

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 2020-12-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
On XX/XX/XXXX I deposited a check. As of XX/XX/XXXX, the funds are still not available in my account. Chase has not given me a reason, for why the funds are not available.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-30 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: DISCOVER BANK
State: NY

Complaint narrative:
Had disputed balance with Discover Card XX/XX/XXXX to XX/XX/XXXX. Wrote multiple certified letters to resolve the issue. Discover neither answered nor replied to any of the correspondence. Ignored dispute and continued aging the account 30-60-90-12-150-180 days delinquent. Finally resolved the dispute with the Supervisor on phone. Refunded disputed balance, established revised payoff and repayment schedule. Currently paid as agreed 6 months. However, Discover failed to correct delinquency history which remains on their records and subsequently on all credit bureau reporting. I am requesting that history for these months be either revised or suppressed. Potentially negative impact on my creditworthiness and credit score.

My attorney has written ( certified ) to Discover regarding this matter and his letter has similarly been ignored, no reply or response

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-30 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: Experian Information Solutions Inc.
State: MA

Complaint narrative:
I have sent letters to the credit bureaus because I have inaccurate information on it, accounts that I already paid showing delinquent, accounts that are not delinquent showing like it is, inquiries I didn't authorized on my credit report. I want to open an investigation and solve my problem because is affecting my credit score.

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 2020-12-30 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Paypal Holdings, Inc
State: NY

Complaint narrative:
On XX/XX/2020 I received a letter in the mail attempting to settle a debt from PayPal INC for {$44.00}. I rarely use PayPal and certainly never had a debt and after checking my account there was no debt or any suspicious transactions. I believe XXXX XXXX is phishing me for information or falsely trying to extort money from me. 
I called the phone number on the letter and they refused to give me any information or email associated with this claim without me giving my personal information. I gave them the reference number and my name and they can see my phone number, they demanded my social security number which I'm not willing to give out to a random person claiming to collect " debt ''. They hung up on me when I asked them questions about the supposed claim. 
After researching this particular practice I found many examples of people being pressured to pay for a debt that wasn't theirs. 
The Company is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
XX/XX/XXXX I sent XXXX XXXX XXXX a debt Validation letter. I received and unsigned response stating a Debt amount of {$0.00} dollars. Since this letter XXXX XXXX XXXX have added negative and inaccurate information on my credit report. In addition to I was never provided full disclosure on any documents at the original of this so called " Loan ''. Pursuant to Chapter 15 USC 1681 ( a ) ( 2 ) ( i ) ( 2 ) Exclusions ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. In addition to pursuant to 15 USCa ( 2 ) ( B ) " any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card under 15 USC 1681 is the same as it is under 15 usc 1602 ( I ) which is the term " credit card '' means any card, plate coupon book or other credit device existing for the purpose of obtaining, money, property, labor or credit '' Notice Congress said ANY card. This is the credit card I used to originate this consumer transaction. This should be removed from my consumer report pursuant to 15USC 1681a ( 2 ) ( B ).

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 2020-12-30 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: EQUIFAX, INC.
State: TX

Complaint narrative:
Equifax ; XXXX and XXXX should not be reporting me as an authorized user on the XXXX XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I called the bank and let them know that I did not give permission to be added as an Authorized User on this account. I have contacted the bureau to fix this however, I have not been successful. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. This negative reporting is harming my credit score and this line item needs to be removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-30 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: FL

Complaint narrative:
I have a court case with the United States District Court XXXX XXXX XXXX XXXX Florida. Please I need your assistance to schedule jointly proposed by parties. Please if you can have a mortgage broker attorney and or real estate attorney to review all the exhibits on file with CFPB including this latest exhibits A, B, C, D, E and F. This is URGENT! Because Select Portfolio Servicing has bad faith practice in improper payments and not applying my mortgage payments to the account also improper escrow/fees and improper lates fees charges. Therefore making my account be falsely delinquent when it is not the delinquent status as stated on mortgage statement. SPS has failed to monitor and apply my payments accurately, they are all over the place they do not know what they are doing. Because I continue to get different improper escrow analysis which is incorrect. Please Im asking the Court or CFPB to freeze this account with Select Portfolio Servicing because they are causing harm to me as the consumer by misleading and misrepresenting my mortgage loan.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: FIRST CITIZENS BANCSHARES, INC.
State: NC

Complaint narrative:
I made a deposit at my local First Citizens bank ATM in XXXX, NC on XX/XX/2020. The next morning, the funds were available in my account but then disappeared later that day. I called the branch and received a variety of stories over the next week, ranging from the bank lost the check to the check was placed on indefinite hold. 

The check was my payroll check, it cleared the issuers bank on XX/XX/2020, and as of today has still not been deposited into my account. The bank states that there is an " indefinite hold '' placed on the check but I was not advised of this at the time that I deposited the funds, in fact, the ATM said that they would be available the next business day.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-30 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: Self Financial Inc.
State: MA

Complaint narrative:
I have contacted the creditor/company many times, 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 loss of credit rating.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-30 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: Suttell, Hammer & White, P.S
State: CA

Complaint narrative:
XXXX XXXX XXXX that was open XX/XX/2016 on my credit report that is not mines. It was sold to Suttell & Hammer, PS. I do not have a contract with them, I never signed a contract with them, I never did any business with them and I do not owe these companys. I have filed a police report, provided them with the police report and they removed it from my XXXX report and placed it back on. 

XXXX reached out to me by mail and I submitted all documentation that they requested. To show this account is Identity Theft and not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-30 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: EQUIFAX, INC.
State: GA

Complaint narrative:
XXXX reported me delinquent in XXXX and XX/XX/XXXX. They claimed to have sent me emails and mail concerning payments that were due but I never recieved them. I have not changed my address or email address as they try to say I have. I have had my gmail account dating back past XXXX. When I spoke with XXXX they said my payments weren't due for 6 months or unless I was reenrolled into school. When I spoke with them over the phone they have no explanation for why this was not the case and claim they do not have a record of me contacting them. I have been told by XXXX that I had no payments due, that my account was up to date, and I would have no payments due. This was inaccurate information as they have put me as delinquent for those two months and have significantly lowered my credit for it. I have never made a payment to XXXX because I have been finishing my degree and have always been up to date with my loans since I have had them as my loan servicer since XXXX. The company claims that even though they gave the wrong information they won't change their reporting and I would have to prove I was in a " coma/dying in a hospital or active military '' during the time they claimed I was delinquent. I was enrolled in school Fall XXXX and Summer XXXX and was told my payments weren't due until XX/XX/XXXX unless I was enrolled in school which I was by XX/XX/XXXX at the University of XXXX XXXX  which was before my first payment was due. This delinquency is inaccurate and they refuse to take accountability for their mistake and remove this from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-30 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
XXXX reported me delinquent in XXXX and XX/XX/XXXX. They claimed to have sent me emails and mail concerning payments that were due but I never recieved them. I have not changed my address or email address as they try to say I have. I have had my gmail account dating back past XXXX. When I spoke with XXXX they said my payments weren't due for 6 months or unless I was reenrolled into school. When I spoke with them over the phone they have no explanation for why this was not the case and claim they do not have a record of me contacting them. I have been told by XXXX that I had no payments due, that my account was up to date, and I would have no payments due. This was inaccurate information as they have put me as delinquent for those two months and have significantly lowered my credit for it. I have never made a payment to XXXX because I have been finishing my degree and have always been up to date with my loans since I have had them as my loan servicer since XXXX. The company claims that even though they gave the wrong information they won't change their reporting and I would have to prove I was in a " coma/dying in a hospital or active military '' during the time they claimed I was delinquent. I was enrolled in school Fall XXXX and Summer XXXX and was told my payments weren't due until XX/XX/XXXX unless I was enrolled in school which I was by XX/XX/XXXX at the University XXXX XXXX XXXX  which was before my first payment was due. This delinquency is inaccurate and they refuse to take accountability for their mistake and remove this from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX ; XXXX and Transunion should not be reporting me as an authorized user on the XXXX XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I called the bank and let them know that I did not give permission to be added as an Authorized User on this account. I have contacted the bureau to fix this however, I have not been successful. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. This negative reporting is harming my credit score and this line item needs to be removed from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation