vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-12-09 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: Experian Information Solutions Inc.
State: CO

Complaint narrative:
Experian Credit Reporting company refused to " delete '' XXXX ( XXXX ) Hard Inquiries, both of which I've never applied for credit! Experian shows XXXX ( XXXX ) Hard Inquiry - XX/XX/XXXX from XXXX XXXX XXXX XXXX 
However, upon reviewing Experian 's website WITH HAVING TO PAY for a Premium Revolving charge Membership, I am looking at THEIR report on me and there's XXXX ( XXXX ) Hard Inquiries! The XXXX  is from XXXX XXXX XXXX in XXXX. I never have applied for credit with XXXX XXXX, either! I already called both Companies and they couldn't confirm or find any application for credit. Both directed me to Experian and XXXX  and XXXX XXXX. 
Today, after being told by a fraud department agent named XXXX, that they " Experian '' can not and will not remove the XXXX incorrect Hard Inquiries. Experian doesn't want my XXXX  Score to rise. XXXX hung up on me when I asked to have a supervisor contact me. The call ended at XXXX MST and my calls are automatically recorded & stored. I'm sure they recorded the call, too. Both Agents were incredibly rude, inept at facts, and evidently weren't trained in U.S. Credit Federal Law. 
My request ... I WANT XXXX INCORRECT HARD INQUIRIES DELETED/REMOVED! 
I ALSO WANT EXPERIAN TO CRITIQUE THEIR XXXX  PHONE AGENTS, PRIMARILY, XXXX. 
I can upload the actual phone call file if needed. I will attach the image screenshot of the XXXX Hard Inquiries that are on my Experian Credit Report. 
Moreover, I'm requesting AGAIN ( XXXX time ) for Experian Credit to ALSO DELETE/REMOVE the Indicator of " seeking credit '' from my report and as it factors into my Experian Credit Report and ALL FORMS OF MY XXXX  SCORES, including but not limited to, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, etc. 
Respectfully, XXXX XXXX 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 non-monetary relief
Consumer complaint received 2020-12-09 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Advertising — Changes in terms from what was offered or advertised
Company: Blackhawk Network Holdings Inc.
State: CA

Complaint narrative:
The company ( MyPrepaidCenter.com ) is selected by various merchants to provide Rebate Prepaid Cards after you have purchased something like tires. I received my Prepaid Card a few weeks after purchasing the tires. The card comes with advertising to " XXXX XXXX for 5 % Back ''. I elected to try to take advantage of this offer & verified I used the card at a company on their select list. After my purchase - they are supposed to add the 5 % of the purchase back on the card to be used. The first time this happened when I bought some pool equipment - I was finally able to reach someone by phone & after about 5 phone calls they added the 5 % to the card. This time however - they have eliminated all phone support and you have no way to get this resolved for the funds promised. This is just truly a scam and very convenient that the card expires this month - so there is no time to resolve the matter. I followed their written instructions and verified the card was used at a participating company still listed actively on their website.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-12-09 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: TN

Complaint narrative:
I HAVE ASK FOR PROOF OF CONTRACT AND HAVE YET TO RECEIVE IT THESE ACCOUNTS ARE THIS LISTED ON MY CREDIT REPORT AND NEED TO BE REMOVE ASAP

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 2020-12-09 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: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
Capital One reported that I was late on my Credit Card payment in XX/XX/XXXX, XX/XX/XXXX and XX/XX/2020. This war correct. I called to let them know that I had gotten the XXXX XXXX virus. During my illness. I had no means of handling my financial obligations. I finally was able to make payments and currently I'm up to date. I was under the impression that late charges were not to be applyied during this pandemic. I send letters and made phone calls to Capital One with negative results. I would like to have these 3 late payments removed from my credit report. This has caused a impact to my credit report. I am a XXXX XXXX XXXX XXXX veteran who has been trying to improve his credit by doing the right thing. Which is to make amends with passed creditors. Please let me know of any results

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-09 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Account Managers, Inc.
State: WA

Complaint narrative:
This collection agency has obtain my XXXX  son 's medical records without HIPPA release form. I have requested from them a copy of the HIPPA release form if they had one and they refused to provide it to me. 

My son has a primary and secondary insurance and we never paid a medical bill out of pocket. 

This collection agency has also reported this purported debt to all three credit bureaus and they have significantly damaged my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC
State: AZ

Complaint narrative:
I initiated an inquiry regarding a refinance with a local broker. We were in the early stages of the process and apparently he forwarded my application to Quicken Loans. I subsequently cancelled the transaction without ever moving forward however Quicken Loans continued to order payoff statements from my mortgage company after the transaction was cancelled. I never worked with XXXX nor did I authorize them to request these payoff statements. This caused me to incur 4 charges of {$30.00} each for a total of {$120.00}. I have reached out to XXXX on multiple occasions and they refused to investigate. They also refused to provide copies of the authorization they claim to have.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-09 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: PA

Complaint narrative:
The credit bureaus such as TransUnion, XXXX, and XXXX are reporting inaccurate information on my credit file. They are reporting a derogatory account XXXX from XXXX XXXX XXXX as past due for {$21000.00} and this is inaccurate. The account has been settled and PAID OFF IN FULL. I would like this account corrected and the derogatory status removed from all of the credit bureaus database. I have disputed with the credit bureaus both by phone and letter and they refused to delete the 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 2020-12-09 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
The credit bureaus such as XXXX XXXX, and Experian are reporting inaccurate information on my credit file. They are reporting a derogatory account XXXX from XXXX XXXX XXXX  as past due for {$21000.00} and this is inaccurate. The account has been settled and PAID OFF IN FULL. I would like this account corrected and the derogatory status removed from all of the credit bureaus database. I have disputed with the credit bureaus both by phone and letter and they refused to delete the 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 2020-12-09 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: CA

Complaint narrative:
This is complaint about PayPal. I purchased " XXXX XXXX '' sunglasses on XX/XX/2020. It was supposed to arrive 7 days later. The glasses arrived over 2 months later on XX/XX/XXXX from XXXX and it was a counterfeit - cheap plastic fake counterfeit that was defrauding me as a customer and XXXX XXXX as a company. I contacted PayPal and initiated dispute ( XXXX ) to cancel the payment because it was a fraud and counterfeit and not what I ordered and not what was advertised by the company. After prolonged " investigation '' by PayPal they advised me that the XXXX company generously offered " full refund '' if I ship their counterfeit fake product back to them AT MY EXPENSE, which will cost more than {$70.00} to send back. I consider this " offer '' an insult. Because I refused to send the counterfeit product at my expense, PayPal denied my request for refund and closed my dispute. I think PayPal is aiding and abetting in fraud being perpetrated on American consumer by this criminal XXXX company.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-12-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SYNCHRONY FINANCIAL
State: NC

Complaint narrative:
I was mistakenly debited twice for the same payment. An error by paypal. I placed a request to the resolution center. They contacted the seller who told me only a single transaction was placed. I never received credit from the seller. I tried to call paypal multiple times but they informed me their system was too busy and hung up. I tried to contact them via their messaging I heard nothing. Finally their collections department called but refused to review the issue. I believe that paypal systems are no longer functioning correctly and need to be reviewed. 

Duplicate charge CASE CLOSED Case ID : XXXX The case was closed in the seller 's favor as you've already received a credit from the seller. 


Case details Transaction amount {$93.00} XXXX Transaction ID XXXX Payment method XXXX XXXX XXXX XXXX XXXX x-xxxx Date reported XX/XX/2020 Your notes There are two different transaction XXXX and XXXX which show as two separate transactions. Note XXXX was billed to my bank account on XX/XX/2020 for transaction XXXX. I was then told I had an outstanding balance of {$93.00} for transaction XXXX which required me to transfer funds for XXXX on bank charge XXXX. The transactions XXXX XXXX both a named XXXX. I checked with XXXX and they show only a single transaction. I was told a week ago this was an error that would be cleared by my bank but there are two separate billing to my bank 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 2020-12-09 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I contacted XXXX XXXX XXXX  ( XXXX ) via email with a Goodwill letter to see if they could adjust the late payments reporting on my student loan accounts with them. The alleged late payments came from periods that my forbearance supposedly covered. The rep said no because the information was accurate. XXXX is not complying with their policy that states any backdated, granted forbearance covers late payments if any shall be a result of it. They brought my account to current but failed to address and remove the late payments that occurred from XXXX XXXX XX/XX/2019 on the student loan accounts. AES is reporting inaccurate information ( late payments ) on my consumer reports with Equifax, XXXX, and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Common Wealth Mortgage Services
State: UT

Complaint narrative:
I reach XXXX XXXX from Intercap lending on Friday, XX/XX/2020 by the phone. We've talked about my loan application, and in the end, I agreed to upload my document through the app she sent its name. 

She was very polite before receiving the information and run my credit! Even she stopped in the road to respond to the phone as she said, unlike after credit check! 
She is not responsible for the job she is doing. She believes she should respond to those who may be a good deal. I've been waiting for days to hear from her after the credit check. 
The first time I call after a credit check, she said I'm working on the type of loan that may be a good fit for you. However, in my second call which was after days later, she said : " I'm not working on your file as I explained the reason on the other day. '' She looks very confused, I guess she talks with someone else the other day! 
To summarize : - I believe that is my right to know what she found in my wife and my credit report. I have her written text that she said we could go over my credit report by the phone. 
- When she confirmed that we could go over to the credit report in a text message, I respond in the same way : " Let 's do that when you finalized my approval. '' This text is evidence of her confusion as she claimed she already notified me about her decision. '' - I send all documents needed professionally through the company 's app and email, and I expect to hear a proper response after several times follow up. I need to receive a professional letter or email about the decision instead of receiving a text that says : " It looks like we are not a good fit ... ''!!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-09 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: TRUIST FINANCIAL CORPORATION
State: GA

Complaint narrative:
There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. On XXXX XXXX, 2019, XXXX XXXX add a hard inquiry on my credit report per XXXX. On XXXX XXXX, 2019, Suntrust Auto Dealer Fin add a hard inquiry on my credit report per XXXX. On XXXX XXXX, 2019, XXXX XXXX add a hard inquiry on my credit report per XXXX. 
But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. 

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.

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 2020-12-09 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: ALLY FINANCIAL INC.
State: GA

Complaint narrative:
There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. On XX/XX/2019, XXXX XXXX add a hard inquiry on my credit report per XXXX. On XX/XX/2019, XXXX XXXX XXXX XXXX add a hard inquiry on my credit report per XXXX. On XX/XX/2019, Ally Financial add a hard inquiry on my credit report per XXXX. 
But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. 

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.

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 2020-12-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: HUNTINGTON NATIONAL BANK, THE
State: PA

Complaint narrative:
Deposited my cards act check. Shortly after the check cleared the bank put a hold on the account. I requested that the account be closed and the funds sent out. The bank has been holding my funds for over 30 days and informed me they would be holding the funds indefinitely.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-09 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 — Problem with personal statement of dispute
Company: Solar Mosaic LLC
State: NY

Complaint narrative:
Solar Mosaic erroneously reported the account type as a mortgage as noted by XXXX instead of XXXX. The company agrees that the account type should be reported as a portfolio type = installment I and account type 9A secured home improvement. Further, the XXXX account does not constitute a lien on real property, this information can be found on section 7 of the loan agreement. The loan is secured by secured by a lien only on the Solar equipment itself we do not file a lien against the home.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-09 00:00:00
Product: Money transfer, virtual currency, or money service — Traveler's check or cashier's check
Issue: Lost or stolen check — 
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I Ms XXXX XXXX XXXX, Contacted Citibank XX/XX/20 at XXXX on using XXXX line XXXX and requested to speak with Supervisor regarding misplaced check by Citibank . XXXX picked up the line again stating that they had not received it. It was sent two Fridays over XX/XX/20 by XXXX  and it took them " 5 to 7 business days '' and " 2 weeks for it to be on his desk. '' Moreover, XXXX stated that they receive mail twice a week, Tuesdays and Thursdays. XXXX requested I contact him again on Wednesday or Thursday of this week. I Ms. XXXX XXXX XXXX contacted Citibank today XX/XX/20 and a representative named XXXX picked up the line stating that " where you provided a tracking number? '' " Do you know if its an envelope? '' " Do you know that to us you are the XXXX XXXX? '' " Am not going to be colored XXXX? '' " Oh we could not locate the check -- -we dont have it. '' I Ms. XXXX XXXX XXXX do not recognize XXXX and do not know whom she is. XXXX stated that she corresponds with XXXX ( XXXX ) whom also works for Citibank but could not locate myXXXX Retirement check with a valid trace number. 

Second Call to Citibank via XXXX XXXX today XX/XX/20 a representative named XXXX responded to the line call to Citibank. XXXX stated am going to transfer the Citibank call to a real representative " they are about to close all the banks if they can not find your retirement check. '' XXXX was picking up the call from outside. Call was transferred to Ms. XXXX XXXX member with ( XXXX ) with XXXX. XXXX took my social security number again over the phone and looked into their system and stated that they ONLY received a retirement check from XXXX in the amount of XXXX even but it was not under my social security number. XXXX stated that the USPS was SLOW in delivering mail and thus they blamed USPS for the negligence and apparently not being able to locate check even with a trace number. 

On XX/XX/20 Ms. XXXX, representative claiming to work for Citibank under Ms. XXXX stated that I should once again correspond with the XXXX XXXX XXXX XXXX XXXX XXXX, for which when I contacted them via XXXX from XXXX Florida from my moms trailer home, the entire XXXX XXXX XXXX was DOWN. Ms. XXXX, the XXXX  XXXX XXXX representative stated that the system " may be available tomorrow, '' but that they could not view any XXXX  member information online as it was unavailable to them.

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 2020-12-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Greetings ; I have inquiry I didnt authorized on my credit report and I want them remove, I dont know how it is possible that some company can check the report without people authorization.

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 2020-12-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Greetings ; I have inquiry I didnt authorized on my credit report and I want them remove, I dont know how it is possible that some company can check the report without people authorization.

Company response to consumer: Closed with explanation