vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-06-17 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: FL

Complaint narrative:
Corrected wrong account with XXXX Monday XXXX XXXX XXXX Paid XX/XX/XXXX not reflected. Tell me 30 days while I am held XXXX with a credit score of XXXX 2 Learn more XXXX Data XX/XX/2021 XXXX XXXX XXXX and debt to income wrong. XXXX sent a alleged repaired report which was NOT and still wrong and all three continue to have outdated and wrong information they provide to third parties and you the CFPB do nothing! Meanwhile held XXXX because updating not real time impacting our ability to borrow and causing usurious rates.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: MoneyLion Inc.
State: TX

Complaint narrative:
Case # XXXX I have filed a complaint a month and half ago regarding a fraud transaction taken place on XX/XX/2021 in the amount of {$1000.00} and I am filing a complaint again today because the company ( MONEYLION ) still has not resolved my case and I can not get a hold of person in contact ( XXXX ) or anyone. I have filed for a dispute on XX/XX/2021 after having my identity stolen with my checking account / debit card from XXXX XXXX on XX/XX/2021. 
I have been trying to get my money back from this company for over two months now and have provided everything they have requested showing and proving XXXX XXXX has no record of chargeback or a reversal for the transaction amount of {$1000.00} which is a fraud transaction I did not authorize taken placed on XX/XX/2021. 
XXXX XXXX representative confirmed by phone and a letter that the funds was never received for the disputed amount from Money lion therefore, Money lion still owes me the money which I never received and still waiting for. I have tried contacting the company but no response or updates have been received regarding the status of my case.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-17 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: OH

Complaint narrative:
I have reached out to Experian ( EX ) over 25 times regarding this matter each time being hung up on or transferred into dead air. 

I have asked that EX follow the guidelines of the FCRA. 
I have reported REPEATED VIOLATIONS of the FCRA to the company as well. 
The company has acknowledged they are in violation of the FCRA and that i need to contact the CFPB if I want to have issue resolved. 

When i asked EX who authorized them to furnish a credit report i was instructed that congress and the CFPB gave them the authority to do such. As I have advised to representatives there that EX is an independent company who ASSUMED this role and was not AUTHORIZED to do such - i am hung up on. When i reach out and ask who gave authorization for EX to furnish a report - i am hung up on. 

According to the CFPB and the FCRA XXXX  needs to have my written authorization which gives instruction or permission to furnish a report on myself. 
I have asked EX to generate the document showing that i have given them permission to furnish a report - the same rules and guidelines as set forth by the CFPB- and they tell me that they can't generate it. I have requested on 10+ occasions that EX delete any piece of information on the current report that they have generated as i have NEVER GIVEN MY WRITTEN AUTHORIZATION to generate furnish or produce any report whatsoever about me or my likeness. Furthermore no piece of information that was furnished was validated or verified as identified by the terms set forth in the FCRA. I never gave permission especially not to report inaccurate data.

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 2021-06-17 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
I was digitally hacked and had all my info stolen. I saw an unauthorized purchase on my account for {$200.00} from XXXX and reported it to my bank Capital One. During this process someone XXXX XXXX themselves {$300.00} from my account. I opened up fraud claims for both instances. The first from XXXX was cleared but the XXXX was not. I was told that because it was peer-to-peer it was a valid transaction but then they threatened to close my account due to fraud. I was placed on hold and transferred so many time before someone was finally able to tell me something. Now my account is in the negatives and I'm a broke college student with no other options. The best part is that they told me that the fraud was done in a completely different state from where I live. I live in NJ and this was all done in Ohio. There need to be a better way to handle these situation. I can't even access my account for any information and this is the only bank I have.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-17 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: CITIBANK, N.A.
State: MA

Complaint narrative:
How are you doing during this pandemic? Hoping that youre safe and sound. Listen, I was shocked when I reviewed my credit report today and found late payment on XX/XX/2021 for 30 days. 


I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late 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 explanation
Consumer complaint received 2021-06-17 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: MS

Complaint narrative:
On XX/XX/2021, I mailed a letter to the 3 credit bureaus to remove inquiries I didn't authorize. 

Under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am writing because Ive been reaching out to Transunion for over 2 months about a company putting false late payments on my report and they have not responded yet. I reached out to XXXX about this and they corrected the issue and updated my payments to never late and paid 100 % as agreed, so I don't understand why transition is taking so long. I was never late with any payments and I also didn't authorize any furnisher to report anything on my report. I will definitely be seeking litigation if this can not be corrected, because this is false late payments on an account that is already closed.

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 2021-06-17 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: DISCOVER BANK
State: FL

Complaint narrative:
Discover is reporting on my XXXX that in XX/XX/2018 was a 30 day late, in XX/XX/2018 was a 60 day late and XX/XX/2018 a 30 day late. This is not accurate payment history. They also stop reporting in XX/XX/2018 and XX/XX/2018. Then started reporting in XX/XX/2018 without informing me. This is a inaccurate and a violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: PA

Complaint narrative:
I began receiving calls from Portfolio Recovery in XXXX of this year, however, they never left a message and I thought it was spam and never answered. At the end of XXXX or early XXXX our credit limit was decreased suddenly for no apparent reason. After applying for a credit card and getting declined I found out that somehow I was in debt collection with Portfolio Recovery Associates for {$2200.00}. It seems that somehow my name became associated with a debt that XXXX sold it to Portfolio Recovery Associates even though I haven't used XXXX since XXXX. According to one representative at Portfolio Recovery Associates, the statements that XXXX was supposedly sending me were being sent to a house in XXXX, PA close to where my parents used to own a home but it wasn't an address that I ever resided at. 

The unpaid XXXX charges were supposedly incurred through XXXX on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX OR XX/XX/XXXX, and XX/XX/XXXX. Again, I have not purchased or sold anything on XXXX since XXXX and have not used XXXX since that time. 

Additionally, I never received an debt validation letter from Portfolio Recovery Associates, otherwise I would have been quicker to point out that this debt is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
Some of my private information may have been exposed to a hacker XX/XX/21. My credit is usually frozen but at this time it is thawed until XX/XX/21 for a utility company to run a credit report on me. I have been trying to get the freeze put back on my account asap but am unable to do it through Experian 's website or through their automated phone line. I am also unable to reach a live person to help me. This is very frustrating and potentially detrimental to my credit if the hacker is currently running rampant while my credit is thawed. I had no issue with the other two credit unions ( XXXX and XXXX ), experian on the other hand has been awful to deal with.

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 2021-06-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
Why is this a hardship and why did you cause this? Let me explain.

We knew our variable rate loan was going to change to a higher rate and knowing rates to be at historic lows, we decided to refinance this loan into a fixed rate product to lock in a great rate. Thinking that the best route to go to do this would be with the company that is currently carrying our loan, which is PHH. We applied to their refinance department and submitted all of the tax & income documents ( I'm self employed ) and after a few weeks your company oked the new loan and locked in a rate at 2.5 %. But after months of waiting and submitting more documents, we were told ( out of the blue ) that we did not qualify for the refinance loan. This was after months of us assuming that we had a loan. We have applied for a hardship resolution with them but have heard nothing back.

Their decision has now put us in a very bad financial situation. We can not now find another company to refinance our loan because they wrecked our credit because of the refi being rejected. Now we are stuck with a variable rate loan that will increase as we get older. This is not good.

Side note, we are current on our mortgage payments, have not missed a payment and have excellent credit rating ... .but I'm self employed and write-off a lot of my income.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-17 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: MN

Complaint narrative:
XXXX, Equifax and XXXX have received the proper court ordered documentation that was signed by the Judge of the Federal Bankruptcy Court, Distric of Minnesota, saying that the accounts in question connected to XXXX have been discharged and are no longer available to claim any debt. XXXX was given 90 days to appear in court or write a letter proving their " supposed '' lender that they service was original owner of the dept in question. XXXX never showed up within the 90 day timeline. XXXX XXXX XXXX XXXX gave an additional 30 days for them to come forward and they still never responded. Due to these actions, and the mass amount of evidence brought forth, the judge dismissed any further collection of XXXX. XXXX XXXX and EQUIFAX have received these courts orders proving this information along with disputes to lawfully report correct and accurate information. According to the Fair Credit Reporting Act these 3 companies are obligated to correctly report information. At this point they keep reporting false and innacurate information even though they have received the court orders verifying the correct information, that proves these accounts are no longer open. XXXX keeps closing and reopening the same accounts that are in the court ordered documentation. The constant changes are damaging my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-17 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: ROBINHOOD MARKETS INC.
State: WV

Complaint narrative:
I have an account with Robinhood, stock and trading website. I have over {$2300.00}. in. I did not like the fact they said they had not recieved my deposit of {$500.00} ... .the bank confirmed they sent it on XXXX XX/XX/2021 ... they continue to say they did not recieve it. I trioed to call several times but got confusing messages about what to do. Bottom line, i sold all my stock and tried, unsuccessfuly, several times, to withdraw all of my fund and closer the accpount, but they block me from doing so. Repeated attemps and calls have done nothing. Please help me retrieve my money. Thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Consumer Collection Management. Inc
State: IL

Complaint narrative:
I am currently applying for an apartment and I was denied because of " a past due rental balance. '' When I requested the report, I see a " Collection Alert '' from Consumer Collection Management for a balance of XXXX dollars. The date placed is XX/XX/XXXX. I filed Chapter XXXX bankruptcy in XXXX and this debt was discharged. I am not seeing this debt on my credit report, but it is showing up my XXXX XXXX XXXX. 

I contacted the company and after I gave them my information, the associate became very rude and said that she can not talk to me. She told me to talk to my lawyer. I tried to ask her why this was on my rental bureau when it was discharged with my bankruptcy, she told me she can not talk to me and hung up the phone. 

Their phone number is XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: TD BANK US HOLDING COMPANY
State: MO

Complaint narrative:
This debt was included in my BK and discharged and is still showing on my credit report as if the amounts are still owed. This is not right nor accurate and I would like it removed immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: CO

Complaint narrative:
I purchased a travel reward tickets using my HSBC card ending in XXXX on XX/XX/2021 using the HSBC reward site. The 2 tickets were purchased using points. HSBC have failed in deducting the points and crediting the amount. HSBC is failing to fulfill their part of the card agreement and in addition to this are charging me annual fee on the card for benefits they are not fulfilling. In addition, because the points have not been diducted and the amount credited, i will be charged interest. I think they should pay me interest for being late and not me paying interest because of their mistake. The points used for the purchase are XXXX points = to {$1100.00}. I spoke to the HSBC reward department over 10 times in the past month. I spoke with the HSBC customer service also over 10 times regarding this. I escalated the issue multiple times with the bank and the reward department with no resolution yet. on XX/XX/2021 the bank rep got a promise that a supervisor will be calling me the customer on XX/XX/2021 and i received no call or email. Today XX/XX/2021 i called again and neither the bank or their reward department has an answer for me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
On XX/XX/2021 I mailed letters to the XXXX, Equifax and XXXX about innacurate information reporting on my credit reports and I have recieved no response, they are supposed to respond back within 30 days and they have all failed to do so. This is causing me so much stress and keeping me up at night. Please help

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
A company called XXXX is on my Experian credit report that is not mine. I have tried to contact them and the credit bureaus and nothing is done.

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 2021-06-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
Citi bank sent a letter in XX/XX/2020 stating that my account was closing do to a fraudulent activity, stating that a check would be issued for the balance. 30 to 60 days. I have called every week since then, and no one can give me an answer to where my money is. I got my last statement on XXXX In that statement it said that this is my last statement the account is closed. It is now XXXX and still no answers or money. I have no where else to turn

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 2021-06-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
I began receiving calls from XXXX XXXX in XXXX of this year, however, they never left a message and I thought it was spam and never answered. At the end of XXXX or early XXXX our credit limit was decreased suddenly for no apparent reason. After applying for a credit card and getting declined I found out that somehow I was in debt collection with XXXX XXXX XXXX for {$2200.00}. It seems that somehow my name became associated with a debt that PayPal sold it to XXXX XXXX XXXX even though I haven't used PayPal since XXXX. According to one representative at XXXX XXXX XXXX, the statements that PayPal was supposedly sending me were being sent to a house in XXXX, PA close to where my parents used to own a home but it wasn't an address that I ever resided at. 

The unpaid PayPal charges were supposedly incurred through XXXX on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX OR XX/XX/XXXX, and XX/XX/XXXX. Again, I have not purchased or sold anything on XXXX since XXXX and have not used PayPal since that time. 

Additionally, I never received an debt validation letter from XXXX XXXX XXXX, otherwise I would have been quicker to point out that this debt is not mine.

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