vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-12-27 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: PA

Complaint narrative:
I am writing to delete the following information in my file. The items I need deleted are listed in the letter below. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I would appreciate it if you deleted these items as soon as possible as it is hindering me. I'm trying to advance in my life by getting a house for my family.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-27 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: FL

Complaint narrative:
My mortgage company is trying to access my credit. Experian, denied any information to then, but is adding on my credit report as inquiries. Nobody can see my score, but still taking points as inquiries. Try everything, called, email on messages on site, because they do not list a email to send This is going for months. Please help..

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-27 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Social Finance, Inc.
State: CA

Complaint narrative:
I did an on-line chat to get the address to send my payoff amounts for my XXXX loans. My normal address is a po box that you can not overnight payments. I sent in the payment to that address via fed ex with a tracking number. When the loans did not payoff timely, I called in to status. The customer service agent told me that they would forward to the proper address via regular mail and could take another week. I am confused why they would internally send payoff funds via regular mail to another one of their offices. After calling in 2 additional times, they finally told me to stop pay and reissue which I did. I asked to have the payments post dated to not pay any additional interest due to the error of the on-line rep. They did indicate this was an old address for them as I did not make it up. Now, they have asked proof of the on-line chat that they do not have stored in their system. I tried to log on to find it but they do not save the history for customers. I am at a loss as to how I can " Prove '' this conversation to them when they do not keep these records. They have told me that they will not back date and I also had to make payments on both loans that they are now sitting on because of the time delay so I would not be reflected as being late. I just want to be refunded the interest due to their error and do not understand why this is so hard and I have to prove to them the on-line conversation. They also need to strengthen their handling of payoff funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BARCLAYS BANK DELAWARE
State: VA

Complaint narrative:
I have been calling Barclay since XX/XX/2021. Including today. My payment in the amount of {$3300.00} was drafted twice from my account of XX/XX/21 I have been fighting to get that money back. Every time I call I get told something different. From too bad you don't get it back, the check is in the mail, it will be credited back to your credit card as a credit, it will be re-deposited into my bank. Today when I called they didn't even have my case number on file. I am frustrated. That is a lot of money for them to not return Any help would be appreciated. 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 2021-12-27 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: CREDIT ACCEPTANCE CORPORATION
State: FL

Complaint narrative:
I bought an old car that I paid more than 30 %. 
After one year and an half, i lost my job and we agreed to return the car. 
The car was in the same condition that the one when i bought it. 
They pick up the car with my agreement. 
After several months, i contact them and ask for the details between the remind of the loan and the value of the car that they resold. 
They refuse to answer and ask me to paid the full amount plus extra fees without any value of the car that was a XXXX XXXX SUV working with no problems.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-27 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Affirm Holdings, Inc
State: LA

Complaint narrative:
I made a Loan with Affirm through XXXX for the purchase of a XXXX XXXX. XXXX did a manufacturer Recall of the item & gave us the option for a 100 % refund upon returning the XXXX. The XXXX was returned XX/XX/2021. XXXX gave Affirm the approval to release/refund our loan as they have credited Affirm for our return. I have since been told by Affirm since XX/XX/XXXX that our refund check in the amount of XXXX was mailed to us. We have confirmed the correct address. I have made numerous attempts to find out where the refund check is since we have still not received. My attorney has sent them a demand letter, we have received no response. We are owed XXXX for two months now. At first, we got several responses telling us to wait 16 days. 16 days has come & gone several times. Now they do not respond to our inquiries at all. It is impossible to reach a representative that can tell me anything about my loan/refund check. All calls have to be escalated through an email, there is no phone communication with the resolutions dept. It is very frustrating as I was depending on this refund & it is my rightfully owed money as the product is no longer in my possession.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-27 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: SYNCHRONY FINANCIAL
State: OH

Complaint narrative:
I have a credit card with Old Navy, where my credit limit was {$800.00}. In 2021, I made a purchase in XXXX and XXXX. I just looked at my credit report and see that they decreased my limit from {$800.00} to {$200.00}. I have always paid my bill on time, and over the minimum amount. It should not matter that my overall score went down, when that has not affected my payments at all. In fact, my score went down because they decreased my limit. I called Synchrony, and they were not helpful and would not reinstate the previous credit limit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-27 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: NC

Complaint narrative:
I DO NOT CONSENT TO, AUTHORIZE NOR BENEFIT FROM THE FOLLOWING ALLEGED ACCOUNTS TO 15 U.S. CODE 1602p. BLOCK AND REMOVE THEM. PURSUANT TO 15 U.S. CODE 1681C-2. THIS FTC REPORT W ERROR. I ALSO DID NOT RECEIVE ANY SERVICES. IF YOU THINK I DID PLEASE HAVE A SENIOR EXECUTIVE PRO THE PENALTY OF PEJURY. 
Pursuant to the Fair credit Reporting Act ( FCRA ) 15 U.S.Code 1681b its my consumer right to have these entries removed from my credit file. Block and remove these entries pursuant to 15 U.S. Code 1681c-2. Failure to comply is civil and criminal non compliance pursuant to 15 U.S. Code 1681n-o.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-27 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: CITIBANK, N.A.
State: CA

Complaint narrative:
In response to the company 's recent response, please provide me with the authorization form bearing my signature that gave your company permission to pull my report and apply for an account. I would also like the online deposit account information that was given to you. If you are unable to provide me with this please remove these inquiries from my account. I would not even apply for the same account twice, especially if I was denied as you stated. I have no proof from you other than you stating that someone knew all of my information and used it to apply for an account. Anyone who has stolen my identity can do that. Remove these inquiries immediately. I have had an issue with my identity being stolen for some time now, that could have been anyone submitting my information online. That is not proof enough.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC
State: TX

Complaint narrative:
In case number XXXX, Shellpoint falsified documentation to XXXX XXXX. Shellpoint falsified that my payment on XX/XX/2021 was for my second XXXX trial payment in unethically make it appear as though I did not complete the trial modification. 

This complaint is about their falsifying information to XXXX XXXX. The reason they did it is because after I successfully made all three trial payments they claimed to have returned the third trial payment. 

XX/XX/2021, I paid {$1000.00}. The amount on the offer letter. 
XX/XX/2021, I paid {$990.00}, the trial modification amount on Shellpoint 's official statement. I asked Shellpoint to clarify the difference. Shellpoint refused to respond. But, Shellpoint cashed the check and did not say it was short. 
XX/XX/2021, I paid the {$1000.00} plus the {$22.00} difference for XXXX since Shellpoint never responded. After I was able to make the payments that they did not think I could make, then they went to plan B. 

For paying their statements and making up the {$30.00} difference, Shellpoint revoked my trial modification. In an attempt to hide how predatory and unethical they are, they falsified to the XXXX XXXX that I did not make all three trial payments.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-27 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:
I have made numerous attempts to rectify the matter regarding my student loans with XXXX. After receiving correspondence that my student loans were in deferment last year due to the government protections put in place because of the pandemic, this year in XXXX, XXXX made all of my loans due and has reported me delinquent to all three credit bureaus for 6 months. In addition, interest has continued to accrue and I have received numerous calls and notices in the mail regarding the loans. I was once advised that the loans were not federally backed loans which is in contrast to the way they are reported on the XXXX site as XXXX loans. XXXX  loans fall under the protections that XXXX and the XXXX of the United States have put in place since XX/XX/XXXX. 

XXXX is taking advantage of student loan borrowers and destroying personal credit that so many of us have worked so hard to build.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-27 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: TX

Complaint narrative:
I have made numerous attempts to rectify the matter regarding my student loans with XXXX. After receiving correspondence that my student loans were in deferment last year due to the government protections put in place because of the pandemic, this year in XXXX, XXXX made all of my loans due and has reported me delinquent to all three credit bureaus for 6 months. In addition, interest has continued to accrue and I have received numerous calls and notices in the mail regarding the loans. I was once advised that the loans were not federally backed loans which is in contrast to the way they are reported on the XXXX site as XXXX loans. XXXX loans fall under the protections that XXXX and the XXXX of the United States have put in place since XX/XX/XXXX. 

XXXX is taking advantage of student loan borrowers and destroying personal credit that so many of us have worked so hard to build.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-27 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: CREDIT ACCEPTANCE CORPORATION
State: DE

Complaint narrative:
I recently checked my credit and realize XXXX and XXXX is reporting a missed payment for a account that's not mines and can not be verified. The creditor Credit Acceptance Corp. does not have my correct information on file. The account is closed! 

XXXX is reporting Fraudulent accounts that are not mines such as XXXX XXXX XXXX. XXXX removed all my positive credit info and replace it with fraudulent derogatory 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 2021-12-27 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
I was shocked when reviewing my credit report and found a late payment on the date below : XXXX  days late as of XX/XX/2021 I am not sure how this happened. I believe I made my payment to you when I received my statement. My only thought is that my statement did not get to 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 monetary relief
Consumer complaint received 2021-12-27 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: ROBINHOOD MARKETS INC.
State: CA

Complaint narrative:
I opened a Robinhood account ( online broker ) around XXXX of 2021. I deposited money into the Robinhood account in several steps in XXXX 2021 and now have approximately {$29000.00} in the account. 
I then tried to set up cryptocurrency trading, by uploading pictures and documents to satisfy their requirements. Robinhood 's investigation of me has somehow made them think that there is some kind of fraud concerning me and the account. Since then they have disabled my ability to trade anything, or withdraw my money. 
I have been communicating with them by email and phone, but they are extremely slow and now seem unresponsive. 
Please help to nudge them to resolve this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: OPORTUN FINANCIAL CORPORATION
State: MI

Complaint narrative:
Oportun Visa, just called me at XXXX XX/XX/XXXX about a debt, they have violated the law as I wrote them a cease and desist letter in XXXX of XXXX. XXXX XXXX XXXX XXXX XXXX XXXX Mi XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-27 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: DC

Complaint narrative:
As by Law, under 15 U.S Code 1601-  Congressional findings and declaration of purpose. The information use of of credit result from an awareness of the cost thereof by consumers. it is the purpose of this subchapter to assure a meaningful disclosure of credit terms so that the consumer will be able to compare more readily the various credit terms available to him and avoid the uninformed use of credit. and to protect the consumer against inaccurate and unfair credit billing and credit card practices. I noticed some items on my credit profile as I do not recognize and inquiries that I am not familiar. I already contacted XXXX, XXXX, and Experian about this error and still haven't received anything from them. I am asking seeking help that this account be Deleted and Blocked from being reported on 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 non-monetary relief
Consumer complaint received 2021-12-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XXXX 2021. And now we are in the month of XXXX 2021 and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THE FOLLOWING ACCOUNTS FROM MY CREDIT REPORT : USDOE/XXXX  XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX XXXX XXXX XXXX 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 2021-12-27 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: Financial Management Solutions, LLC
State: MD

Complaint narrative:
FMS/ FINANCIAL MGT SOLUTION XXXX XXXX XXXX # XXXX XXXX XXXX MD XXXX XXXX HAS BEEN TRYING TO COLLECT ON A DEBIT I DIDNT OWE. IN 2015 DO TO A XXXX XXXX XXXX I WAS INVOLVED IN A BLOCK OR TOW ( 2 ) FROM RESIDENTS RENTAL OFFICE LET ME OUT & CLOSED LEASE. THEN YERAS LATER OUT OF NOWHERE FMS IS TRYING TO SUE AND/OR COLLECT. THEY HAVE BEEN RUNNING MY CREDIT WITH OUT MY CONSENT OR KNOWLEDGE, MADE A INQUIRY ON MY CREDIT THAT I'M TRYING TO GET REMOVED. I HAD TO PUT A FREEZE ON MY CREDIT BECAUCE OF THEM AND RECENTLY THEY FALSIFIED A PAYMENT HISTORY OR CREDIT OF XXXX XXXX  MADE TO KEEP THIS ACCOUNT CURRENT AND ON MY CREDIT.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-27 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Paxful Holdings, Inc.

Complaint narrative:
Hello XXXX months ago, my account was frozen by paxful This happened when I wanted to withdraw my money from the site as an etherium. 
I received an error when I requested the withdrawal. The text of the error was : The transaction was canceled due to sending money to the risky wallet address. 
After this incident, my account was frozen. During these seven months, I informed the site support many times and asked them to solve my problem. But each time, they just told me to wait, your account is being checked. 
I feel like they are scammers. Because checking an account does not take more than a week.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-27 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: EQUIFAX, INC.
State: PA

Complaint narrative:
I am writing to delete the following information in my file. The items I need deleted are listed in the letter below. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I would appreciate it if you deleted these items as soon as possible as it is hindering me. I'm trying to advance in my life by getting a house for my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-27 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: Experian Information Solutions Inc.
State: OK

Complaint narrative:
I XXXX XXXX mailed Experian a notorized affidavit along with my dispute. I sent it to them via certified maid by the us postal service. It has been more than 30 days and no response. By law they need to remove all the negative items i listed im the dispute. I will not keep allowing Experian to violate my consumer rights. They are ignoring me and wilfully and knowingly violating my rights as a 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