vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-02-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA

Complaint narrative:
I have been trying to work with my lender but all they do is give me the run around. I have provided everything that they need and they still continue to ask for more documents that is not required. 

Their intake team or underwriters have had my loan under review for over 4 months asking for more and more documents. Each time letting documents expire and then asking for more.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: JPMORGAN CHASE & CO.
State: CO

Complaint narrative:
On XX/XX/2020 I requested a courtesy update to my credit reporting as I was affected by Covid. An agent advised me they would do so, and every time I followed up they stated they were handling it. After six messages and getting the run around, no changes have been made. 

I told Chase that I was unemployed during the pandemic and once I got my job I immediately paid up. They in turn closed my account without any notice. 

All Im asking for is for my two late payment statuses to show as on time as they originally promised. The late payments were out of my control and only for two months.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Portfolio Recovery Associates, LLC
State: MI

Complaint narrative:
In violation of 15 USC 1692a ( 7 ) Portfolio Recovery accessed my location information. Portfolio Recovery contacted I, hereinafter Consumer, on XX/XX/XXXX, XXXX, XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX   and XXXX XXXX, XXXX  without prior consent in violation of 15 USC 1692c. Portfolio Recovery caused my telephone to ring on the above afforementioned dates harrassing and abusing me with language the natural consequence of which was to abuse the hearer in connection with the collection of a debt violating 15 USC 1692d ( 2 ) ( 5 ). Portfolio Recovery used false and misleading representations in the initial communication by failing to disclose to the consumer that the communication was from a debt collector in violation of 15 USC 1692e ( 11 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-04 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
Called paypal on XX/XX/2021 to ask why I was unable to log in to my account. Paypal said I had a negative balance and it was sold to a collection company. I was never told my paypal that I had a negative balance or contacted by them about it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
The company involved is Transunion XXXX XXXX XXXX. 

Here are the facts, surrounding my complaint : I applied for two Apartments : Elevate at XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX I was denied because Transunion Rental Screening disclosed erroneous information on my criminal report. 

I disputed with Transunion XXXX XXXX  on the following dates : XX/XX/XXXX XX/XX/XXXX The second time I filed a dispute ; I provided official police reports to show them that their information was incorrect. However, they are still saying that their information is correct and refuse to make adjustments to my report. 

Furthermore, they're customer service department is absolute trash. I requested on three occasions and called twice to have them send me a full report of what they have been disclosing to consumers ( rental agencies in my case ). They keep giving me the runaround saying that they don't have all the information they need. I don't see how any company would rely on information that they provide because their company is dysfunctional, with incompetent workers. 

This is causing an extreme hardship, I am a XXXX veteran, and I'm on the verge of becoming homeless, not because of my XXXX, but because of Transunion XXXX XXXX inability to provide quality service.

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 2021-02-04 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: MN

Complaint narrative:
I have an XXXX credit card. I tried to log in to my account via their app and online on Sunday night XX/XX/2021. It wouldnt let me log on, stating my account was closed. I called ( was on hold for 2 hrs ) and they said it was a system outage and not to worry, my account wasnt closed. However, they erroneously reported to credit agencies a derogatory closure & charge-off of {$880.00}. XXXX has not responded as to if or when this error will be fixed. Many others online are reporting similar hits to their credit reports/scores. Those with XXXX are trying to rebuild their credit, and must not be taken advantage of.

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 2021-02-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
XX/XX/2019 i received my statement with fraudulent charges. i called to resolve the issue. At which time I was told they would handle the fraudulent charges and close my card and send me a new card. I received my new card in XXXX. I then received another statement with fraudulent charges that were transferred over from the previous account. i called multiple times between XXXX and XXXX. I kept getting transferred to the fraud department back to the costumer service department to the investigation department. At one point in XXXX the investigative department said they would look into it but was never assigned to anyone. This entire time I kept making the statement that i did not want this to affect my credit score. They said they were making corrections. My credit score was negatively impacted and my credit limit was dropped from XXXX to XXXX. I called last week and the week before each time with the person on the only line stating to give it 7 -10 business days to get resolved. At this point I feel like I am being harassed and taken advantage of. At one point i was getting daily calls from a Robo call to pay the bill. I hope that all my calls have been recorded as proof of what I am being put through. My credit score has been negatively affected and I am now having to wait to start my refinance due to the hit on my credit score. I have been treated poorly as I would have expected that by this point I would have been assigned 1 agent to take care of these issues for me. Instead I keep getting different numbers to call at a later date.

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 2021-02-04 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: Southern Auto Finance Co
State: NV

Complaint narrative:
On XX/XX/XXXX, I received my XXXX Dispute report. It showed that SAFCO was deleted, however in checking the other 2 credit bureaus the debt still showed. I contacted the company on XX/XX/XXXX and spoke to XXXX who advised that yes they responded to the disputes and she is unsure as to why it was not deleted on all 3 bureaus. She stated she would call me back in a week. No return call was received. If you sent XXXX the deletion information then it should be sent to all 3 bureaus correct? 

SAFCO:XXXX  ACCT # XXXX Amount : {$11000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-04 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
On XX/XX/2020 I XXXX XXXX made a phone call to XXXX XXXX XXXX to take care of a debt that I incurred from XXXX XXXX Hospital in the amount of {$850.00}. At the time of speaking with the debt collector they set me up with two seperate payments which was requested by me. On XX/XX/2020 I made a payment of {$420.00} and then of XX/XX/2020 I made the second payment via an auto draft from my bank account of {$420.00}. On XX/XX/2020 when I made the first payment I asked teh debt collector reprsentative that was taking my payment that once I made the final payment would there be something sent to the creditors on my behalf to remove or delete as that was what I requested and they said yes once the final payment had been recieved. They also informed me that they will automatically mail me out a letter stating that it had been paid in full. Once I made the final payment on XXXX XXXX and I did not recieve anything in mail after a week I called the debt collector and asked them why I had not recieved anything in mail and thats when they told me that I had toc all and request that. I explained that the last representative that I spoke with did not tell me that I needed to call in however, she stated that it was something that they automatically did. To my surprise I did not get accurate information. Also, to have it removed or deleted the representative told me that it was something that was available upon request which I did request However, only to find out that this has not been removed or deleted from my credit. The last report showed that it was indeed paid in full but also as an active account which is not the truth. According to my research this is a UDAAP violation when there is Diceptive Acts of Practice which was very misleading for me and an very unnessary process to do the things that I need to do.

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 2021-02-04 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
On XX/XX/2021 I deposited a money order for {$2400.00} and a check for {$11.00} through the Capital One Mobile App into my 360 account ending in XXXX. The following day I was notified that a hold on the funds were due to be released XX/XX/2021. Later that day I was notified by email that my account was restricted preventing me from logging into my account and call the number XXXX. I called the number to inquire to why my account was restricted and was told because of the money order {$2400.00}. The agent asked why the money order was deposited and who sent me the money order. I have had the account for 2 years and never been asked such questions. The agent asked me if I could give her the number to the person who sent me the money order. I gave her the name and phone number and she called to verify information. I have called everyday about my account and my funds being held hostage and no answers. I called the company who issued the money and was told Capital One cashed the money order on XX/XX/2021. Today is XX/XX/2021 and 2 days past the hold date. I have filed a complaint via XXXX, sent a email complaint to Capital One. I need answers and I need my money. No transaction has been suspicious or fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KS

Complaint narrative:
I used Transunion to check my credit, since then they have billed me a charge of XXXX six different times without my consent. I never signed up for a service or purchased anything.

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 2021-02-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
On the nite of XX/XX/XXXX, I made an {$1800.00} ( or possibly {$1900.00} ) deposit into the ATM in the XXXX NY branch of TD bank, ,for my account # ending in XXXX ( my corporate account ) and I did not complete the transaction fast enough. 

ATM kept my money and ATM card. 

I called and filed a dispute about this problem ( and also a similar problem I had with another account ( acct # endingXXXX, -- my personal account ) at this same ATM on XX/XX/XXXX. I did not know the exact amount of that deposit. I was told that in order to file a dispute, I needed to.provide an amount so I said {$300.00} though i made it clear i did not think it was {$300.00}. 

The person who took this complaint filed both disputes as part of the XXXX account instead filing the XX/XX/XXXX dispute for the XXXX account and I believe this has caused massive confusion. 

I never got my {$1800.00} and I have refiled my dispute 3 more times -- total 4 times. 

Each time I call, the bank treated the dispute as a new dispute, and tells me that I will get a letter in 10 business days -- we are at 36 days and counting at this point TD has a dispute department but company policy is such that.the department will not take calls, so I keep explaining what happened to customer service agents who I understand just have a screen with a an small amount of space to explain the situation to the dispute dept and I am sure the space is inadequate to explain what happed.in my case TD has video cameras so I'm sure they can see I put in the money but as I understand it, the ATM is actually handled by an outside company and I dont think there is adequate communication or cooperation between the bank and the outside company. 

I want my money and if I do not get it soon, I'm going to take the bank to small claims court. This is my final attempt before I file with the court, so you should advise them to keep their video and all their records, which I will subpoena, if I don't get my money ASAP.. Once I go through the trouble to file the complaint and prepare the supbeona duces tecum , I will not withdraw it. 

I point out that I never used an ATM before covid and this is about my 5th -- all but one of which were specifically with the TD XXXX ATM -- problem with ATM deposits and bank personnel at the branch Iindictate they are trying to get the ATM replaced because it gives them a lot of trouble.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-02-04 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: IL

Complaint narrative:
Filed a dispute with the credit reporting agencies in regards to inaccurate information reporting on my credit reports. I never received any notifications in regards to the investigation results. It has now been over 30 days, I filed a 30 day demand to comply with the credit bureaus and still have yet to receive any response. 

Initial dispute XX/XX/XXXX 30 day demand XX/XX/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 2021-02-04 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: MI

Complaint narrative:
I have made effort after effort to contact TransUnion ( via phone and mail ) regarding the incorrect information reporting. I have sent letter after letter, the most recent being XX/XX/XXXX, certified, in which NONE of them have responded to. Please see attached. The information that is reporting is incorrect and has shattered my dream of home ownership. Please see attached documents. I have attached my phone records, the letter that was sent and receipt from the USPS of tracking info with the dates received.

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 2021-02-04 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: BBVA FINANCIAL CORPORATION
State: NV

Complaint narrative:
XXXX reported to XXXX  that my account was closed and a charge-off, but I have never made a late payment and I don't carry more than a {$100.00} balance ( {$3000.00} credit limit ). The problem I am having is my other credit card company BBVA said they received information from XXXX  about this XXXX account and as a result have reduced my credit limit from {$5000.00} to {$1300.00}. I've tried to explain this, but my credit limit with BBVA hasn't been restored ( since they're using false information ). 

I receive an email from XXXX  acknowledging the false information and that my report has been updated as of today XX/XX/2021. I am in the middle of refinancing ( being added to a mortgage ) and I need to make sure my credit stays as it was when I applied.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-04 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: GA

Complaint narrative:
Currently I am aggravated! I have tried to be patient but it is very difficult to be patient when you feel that you are constantly being ignored by someone. I think you forget that I am the consumer according! " 15 U.S. Code 1681 - Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. ( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. The banking system is dependent on the fair and accuracy reporting of consumer agencies. When you fail to do your job not only does it hurt me but it also affects the banking system. The banking system makes money by lending to consumers like me. I have reached out several times complaining about the inaccurate items on my consumer report. Well I am finish complaining. I demand you remove these inaccurate items or I will seek litigation for all of the violations and for the pain you guys have caused me by ruining my reputation by reporting inaccurate items. Also I have provided evidence countless of times to prove that I am in fact a victim of XXXX  Data Breach!

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 2021-02-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC
State: GA

Complaint narrative:
On XX/XX/XXXX I requested information about a HELOC. I was contacted by XXXX XXXX on XX/XX/XXXX from Quicken Loans. I reiterated my requested for a HELOC, he asked for my SSN and pulled a credit report. He then proceeded to tell me that Quicken Loans doesn't offer HELOC loans. I informed him on XX/XX/XXXX that I was not interested in a mortgage and that I felt mislead by him and that I didn't appreciate having my credit report pulled when they couldn't accommodate my needs. 

On XXXX I received a loan package from XXXX dated XX/XX/XXXX. 

This agent is pushy and I would like to lodge a complaint against the practices that were used. I also do not want to be contacted by Quicken Loans for any marketing or loan offers.

Company response to consumer: Closed with explanation