vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-05-20 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: DC

Complaint narrative:
Hello XXXX XXXX, We received the case ( s ) you filed on XX/XX/2021. 
We have reviewed this transaction ( s ) and are denying your case ( s ). This decision was made because we received shipment tracking from the merchant confirming that the merchandise was delivered. 
We're sorry for any problems you may have experienced with the transaction ( s ). 
Transaction information : Dispute Case ID : XXXX Transaction Amount : {$200.00} XXXX Dispute Amount : {$200.00} XXXX Transaction ID : XXXX Transaction Date : XX/XX/2021 Thanks, PayPal Pay pal transfer the money from my account to XXXX without my authorization. I did not filed for author payments. XXXX is a fraud company. They did not provide service for me in XXXX at all. I cancelled the account. XXXX provide a poor service for me in XXXX for which I paid {$250.00}. I agree on XX/XX/XXXX and authorized the charge. Due to poor service I cancelled my campaign with them on XX/XX/XXXX and filed 2 cases with Pay Pal. I just got the respond read above. Please, HELP. I am a XXXXl XXXX XXXX and every dime is important for me. I am very upset with pay pal decision. 
XXXX XXXX XXXX. 
The receiver of this payment is Verified http : XXXX XXXX Payment Sent XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-05-20 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:
My final resolution is to show proof I have advantageously tried to remove the incorrect and or erroneous credit reporting information on my credit report. 

XXXX has three outdated accounts for different about showing on my credit report from XXXX, XXXX, XXXX ( These accounts are past 10 years and should be removed ) XXXX XXXX ( account showing on credit report ) XXXX XXXXXXXX ( past seven years ) XXXXXXXX XXXX ( XXXX accounts XXXX XX/XX/XXXX XXXX XXXX ( XXXX AccountXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX is not reporting on my account as accurate payments on time. XXXX ending in XXXX expiration date is XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-20 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: NAVY FEDERAL CREDIT UNION
State: WA

Complaint narrative:
I wanted to refinance my home due to the covid situation and consolidate debt from medical bills and other. I started the loan in XXXX and was very excited that Navy Fed was going to help me more since I'm a vet and 50 % XXXX. I started the loan got everything done the home was appraised for a good value then waited. In XXXX I tried to contact and had much difficulty getting a response. Finally they said it will be done by mid XXXX. At that time XXXXXXXX XXXX  offered me a forbearance option which I decided to take just to make things easier over the holidays. Well in XXXX they changed my loan person because he was taking to long promised to expedite this loan. This went to under writing multiple times and they have pulled new credit checks on my credit and continued to say there was issues because of the forbearance. I offered to just pay it off so we could move forward but they said don't worry it will be done in a few days. Now they say my appraisal has expired and they have to order a new one which has cause me much stress and XXXX XXXX wants to know my plan for paying them. Is this normal for Navy Fed? I have many emails but don't want to upload them unless you feel something can be changed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-20 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 ; Experian and XXXX are not investigating the negative accounts reporting on my credit report. I have sent numerous letters to the bureaus requesting an investigation into the false reporting of these accounts and I have never received ANY communication from the bureaus to show that my multiple requests are being looked into. My most recent credit report shows the following accounts as not in dispute. XXXX - XXXX ; XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX - XXXX XXXX XXXX XXXX XXXXXXXX ; and XXXX ; XXXX XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX and XXXX XXXX These accounts are in fact in dispute and this language needs to be reflected on my credit report. The Fair Credit Reporting Act states that I... Have the right to dispute incomplete or inaccurate information. This is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report, as well as not to report accounts that are in dispute. This false reporting is seriously harming my credit score and these line items need to be updated and/or completely removed from my credit report. Again, I have contacted the bureaus multiple times to review these accounts however, I have not been successful.

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 2021-05-20 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: CITIBANK, N.A.
State: PA

Complaint narrative:
XX/XX/2021 Complaint and request : for assistance to reconcile an incorrect matter with Citibank NA Requesting specific statements in writing Hello, I am requesting assistance to have an old matter with Citibank resolved. Please note Citibank does not have current information and is ruining my credit worthiness due to improper recordkeeping. 

Please note, I am submitting a second and different complaint with reference to CITI NA. On XX/XX/XXXX I submitted an original complaint and they responded with a letter. The letter is not thorough and does not include the information I requested to reflect the accounting and my credit worthiness accurately. I have included a copy of the letter they sent me on XX/XX/2021 

This letter states that they will remove the Citibank account card number XXXX from all three credit bureaus including XXXX XXXX XXXX and XXXX 

This letter does not address the fact that I asked for the inquiry from Citibank that is on my credit on XX/XX/2021 to be removed from my credit report. I was denied credit by CITI because of back errored accounting. Theyre ruining my credit and I want this credit inquiry off of my credit. Another credit card I hold with another bank lowered my credit limit due to this inquiry. 

I am here by requesting that Citibank sends me in writing : 1. Stating that they will be removing the credit inquiry fromXX/XX/2021 from all three bureaus on my credit report. 

2. Stating that the account number XXXX, is closed, paid as agreed, in full, with a zero balance. 

I have paid this account off over two years ago and I have been harassed by CITI NA and collection agencies, for money owed, and I have repeatedly disputed it and requested in writing confirmation and validation of when and how much I owe money for because I have bank statements showing all of my payments coming out. I have not received verification of what I requested. I have received documentation from collection agencies and from CITI NA that do not reference or verify or prove that I owe money. Im requesting this is completely removed from my credit history. 

Thank you for your time, 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 explanation
Consumer complaint received 2021-05-20 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: TX

Complaint narrative:
My state and the applicable federal regulations and standards for proper lawful reporting requires that any injurious claim of delinquency and or derogatory information be factual and physically verified reporting standard ( s ). The inability to validate and certify compliant reporting is grounds to demand deletion of claims, and this is my contradiction and denial to any negative implication and my right to insist such reporting be deleted immediately. Please supply the following information in complete detail : These inquires were not by permissible purposes and I want them deleted immediately and then send me an updated credit report within 15 days. 

Unless you can provide actual evidence of each inquiry concluded from a specific company with signature, location, and date, this would be considered unauthorized review for my credit as I have not given this company a reason that I would conclude to do business with them as I mentioned to them I did not want them to review my credit. 
Apparently, they did and that is illegal on their part. Investigate this with them and have each inquiry that was not justified or given permission by me to do so. 


XXXX XXXX Inquiry from XX/XX/XXXXXXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XXXX XXXX, XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXXXXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX from XX/XX/XXXXXXXX XXXX XXXX  Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXXXXXX XXXX  Inquiry from XX/XX/XXXXXXXX XXXX XXXX XXXX  Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXXXXXX XXXX XXXXXXXX Inquiry from XX/XX/XXXX 2020

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 2021-05-20 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I feel that Capital One is denying me for unknown, false or reasons such as discriminating as I applied on several occasions based on getting numerous emails requesting me to apply. 

Based on the reasons below they are fabricated and completely false as my income they has was incorrect which is why they asked me to apply again. When I applied the second time they gave me another falsified inaccurate reason as I have not opened any new revolving accounts for at least 2 years. 

When I called Capital One they were very rude and ended up hanging up on me and they said that I had to contact the 3 credit bureaus as they are the reason based on the information they received from them as to why I was denied. 

Below are the reasons I received on the letters I received from Capital One. 

XXXX ID : XXXX Reason : Based on your application, income is insufficient for amount of credit requested. 


Date : XXXX Reason : Based on your credit report from one or more agencies on the back of this letter, there are too many new revolving accounts. 


ID : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Unexpected or other fees — 
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I got the app to monitor my credit because I had no idea that all these spam calls where because of my credit score. Turns out I wasn't thoroughly helped last year when I need to report identity theft my identity was stolen credit cards and mortgage loans and insurance inquiries at least 12 where taken out. I never had a credit card. I did apply for XXXX XXXX  as I was XXXX at the time. I also has taken out a XXXX XXXX XXXX. Other than that I never got the credit card and XXXX was the loan company for my first car the XXXX in XXXX : XXXX XXXX keeps appearing and when I speak to experian they told me I applies for a subscription when I only wanted tot monitor my credit and XXXX  I meant to only monitor and see what was on there but my phone and phone calls where being hacked and rerouted and forwarded. I was also scammed in XXXX in XXXX and reported it but I can't get a real lawyer because all calls sound the same. I've called fbi the DOJ and osha. While being neglected by the healthcare system. Then I saw the DOJ purposely was neglecting South American citizens which I reported to the White House. In hopes for change. A direct answer and guidance.

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 2021-05-20 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ERC
State: GA

Complaint narrative:
I sent a debt validation request to Enhanced Resource Center and they never responded and added a collections to my report without answering my debt validation letter. I have also paid this with the original creditor XXXX for {$1400.00} in full. they refuse to remove this from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
Hello, I financed a used car purchase through CapitalOne Auto on XX/XX/21. I set up automatic payments on a weekly basis through my online account at capitalone.com. Their web portal allowed me to customize my payment preferences. For example, I was able to choose my payment amount and frequency ( weekly, bi-weekly, monthy, etc. ). For the first month or so, payments were coming out of my checking account as scheduled with no issues. 

I then received an e-mail today XX/XX/21, that said 'Hurry! Make a payment now to avoid being reported late to the credit reporting agencies. ' The email was from CapitalOne and also listed out a late fee of {$13.00} for a missed payment from XX/XX/21. I then logged into my CapitalOne account online and didn't notice anything in terms of my checking account link or otherwise that would've lead to a missed payment. I then called the CapitalOne hotline at XXXX and spoke to an agent who verified me and reviewed my account. This agent confirmed my recurring payment link to my checking account was in good standing. There was no issue in terms of funds in my checking account not being available. Frankly, she seemed stumped as to why I got the e-mail referencing a missed payment as everything on her end seemed to be in good standing. I pointed out the late fee of {$13.00} and asked that it be reimbursed. She took care of that fore me and then went on to say that the next payment is set to come out at the end of the week like it normally does and that everything is in good standing regarding my account. I proactively asked about the reasoning as to why I got the late payment notification and furthermore asked if this will be an issue in future months. She was not able to articulate a reason as to why I was charged a late fee nor why I missed a payment per the email I received. She gave me an impression that it may've been a Capital One system issues and was not able to assure me this would not be a recurring issue. From there, she discussed alternative payment methods such as making monthly payments and I was told that monthly payments will mitigate any future issue 's such as what I experienced this month with my weekly payment cadence. I felt pressured to then set up monthly payments which she helped me establish on my behalf moving forward. 

Best, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-20 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: STERLING JEWELERS, INC.
State: NC

Complaint narrative:
Jered account # XXXX is reporting still that I was late on making a payment and informed me over two years ago that they were going to correct it and report it. The account show one late payment still as of today.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-20 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: TX

Complaint narrative:
Attempted to obtain my free credit report via equifax and was asked several questions that " did not '' pertain to me. I have never taken out a mortgage loan and my revolving account was from XXXX nor have I ever taken out a car loan or lease! I verified my two most recent addresses and feel that the mail request for my personal and confidential information is a bit over the top! I have provided a copy of the documentation requested by Equifax. Again, I was denied online access because the questions asked were not at ALL pertained to my person! They are asking for my SSN, pay stub with SSN, W2 form, lease agreement and other things that are just too personal and confidential to send to this company. I accessed the other two reporting agencies with questions that were pertinent to me. 

XXXX is showing my account to be potentially negative with a hx of never late, PIF and closing of account ... .I filed a dispute and also there are multiple addresses listed for me that I have never lived!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-20 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: WELLS FARGO & COMPANY
State: IL

Complaint narrative:
I will attach here proof from my bank account with XXXX XXXX XXXXXXXX to prove that I was never late and/or delinquent with Wells Fargo Auto. Please remove all 11 late payments from the 4 credit bureaus. Or remove this account completely from all 4 credit reporting bureaus.

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 2021-05-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: CA

Complaint narrative:
I signed up for automatic payments with the loan company on XX/XX/2021 & XX/XX/2021 I saw on my statement bad check reversal for {$1500.00} and I was charged for a returned check fee. The money was in my account I attempted to call and speak to someone about these charges and payments I was left on for for greater then 20 minutes multiple times, I left messages and I used their contact form. I did not receive any response from anyone. I never received a copy of the payment being returned by the bank from the company and my bank always contacts me with any activity on my account. I stopped the automatic payment program and now pay monthly. 

I then received a letter from my home owners insurance company XXXX XXXX XXXX that my premium had not been paid by the loan company. They tried contacting them multiple times also. My loan includes homeowners insurance, property tax and the actual mortgage payment. 
I emailed copies of my home owners insurance to my loan care and they were supposed to pay the homeowners insurance. 
This company has the worst customer service and no communication comes from them. I want to change loan companies, I have never had this lack of response from any other company I have dealt with. I am going to try and change loan companies

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 2021-05-20 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Mountain Run Solutions, LLC
State: AZ

Complaint narrative:
I had two 36 month contracts with XXXX  which ended in 2014. I formally cancelled the contracts in writing however XXXX only cancelled one account. XXXX continued to bill me for services for one of the two contracts after the written cancellation. I notified XXXX multiple times via emails and telephone calls. XXXX was on autopay and collected funds well beyond the contract period and after the cancellation. I asked for a refund of the amounts paid in error which XXXX refused. I stopped payments then XXXX sent the account to Mountain Run Solutions , LLC ( collection agency ) which then reported on my credit reports. I notified the Mountain Run Solutions , LLC that I do not owe this debt. I forwarded copies of the emails to XXXX to prove that I do not owe this debt. Mountain Run Collections refused to remove this from my credit report after receiving proof of cancellation. 

I am purchasing a house and have to pay a higher interest rate as my credit score was negatively impacted by the erroneous credit bureau collections.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-20 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: Recovery Ace Inc
State: CO

Complaint narrative:
was led to believe that by a representative of the collection company that when i paid the collection that it would be removed from my credit report with the three credit bureaus and it hasn't been. Please help me get this resolved. I have tried disputing it with the credit bureaus but have gotten no response and it still remains on XXXX and XXXX. Please help me resolve this issue as it should not have been on my report to begin with. I paid it immediately once i saw it and was told it would be removed and it is effecting my ability to get a home loan.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation