vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-03-11 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Paramount Recovery Systems, L.P.
State: DE

Complaint narrative:
I got a collection put on my credit report and did not know about this medical bill and was never notified by the collection company that they were trying to collect the monies. I dont even know what this bill is for.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-11 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: Paypal Holdings, Inc

Complaint narrative:
PayPal closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for months but I just remembered I could file a report on here as I feel they are not doing their job properly. My email linked to my PayPal is " XXXX ''. They don't have to close my account and hold my money for 180 days. That's the money I receive as payment for the digital goods and services I provided my clients. I've been a member of Paypal since 2011.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-11 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: OK

Complaint narrative:
Equifax ; XXXX and XXXX should not be reporting each Inquiry showing on my credit report as a separate line item. ( Please see page attached from my credit report. ) These multiple inquiries are well within the ( 14 45 plus ) days that is typically allowed to check different lenders and find the best loans. These inquiries are all like kind and therefore should only be reporting as ( 1 ) individual line item. They are not separate, individual entities. This reporting of multiple inquiries is seriously harming my credit score and these additional line items need to be removed and report only ( 1 ) inquiry for each. I have contacted the bureaus to fix this however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-11 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: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: KY

Complaint narrative:
In XXXX, I learned that my Mortgage note with XXXX XXXXXXXX XXXX  had been sold to Rushmore Loan Management. I was coming out of forbearance and literally the day I called XXXX to make my first double payment to start getting caught up I found out I couldn't because the loan now belonged to XXXX. So after making a few double payments, ( I was 3 months to pay on forbearance ) I has been specifically told by XXXX my loan was set aside to not be reported. I was told this two times in 2 calls (! ). So, come to XXXX, my payment pattern was XX/XX/XXXX, 2 payments XXXX, XX/XX/XXXX, 2 payments XXXX, XX/XX/XXXX, 1 payment XXXX, XX/XX/XXXX, 2 payments XXXX ( account now current ) And then I found out that even though I had paid up to current, always staying in contact with them as I went, I found out that they had reported the account 30 days late, destroying my already struggling credit score ( although my payment history is almost perfect across many accounts, I'm carrying too much CC debt ). So I called Rushmore to find out what happened, they apologized confirming that credit reporting for my account had been suspended and they'd fix it. This company specifically told me 2 times credit reporting was suspended for my account, and then confirmed it, but still has not addressed it and rejected the dispute through the reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-11 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: IL

Complaint narrative:
Equifax and XXXX should not be reporting that I am ( 30 ) days late on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a {$0.00} balance. In addition, this account is over ( 7 ) years old and should not be reporting at all. This false reporting of lates is seriously harming my credit score and this line item needs to be removed from my credit report. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. I have contacted XXXX as well as the bureaus to fix this however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-11 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Capital One has committed Fraud on my Credit Card # XXXX. On XX/XX/XXXX Dr. XXXX charged my card {$140.00} for products I ordered. Then Capital One entered another charge of {$140.00} on XX/XX/XXXX. That same day they removed that charge. I notified Cap One that this product never was received and was not in my possession. On XX/XX/XXXX Capital One notified me that they were putting {$140.00} back on my card since the merchant provided a tracking number. I sent Capital One ( Transaction Support Center ) a two-page letter disputing this amount. No products were received. My dispute letter on XX/XX/XXXX to their Transaction Support Center remains unanswered. My XX/XX/XXXX dispute letter to XXXX XXXX, Chairman & CEO remains unanswered. My XX/XX/XXXX letter to Mr. XXXX also remains unanswered. On XX/XX/XXXX I s/w XXXX # XXXX without any success in getting the {$140.00} removed. On XX/XX/XXXX I s/w XXXX # XXXX still without any success. XX/XX/XXXX @ XXXX XXXX I s/w Val # XXXX & he would not provide me with his supervisors name. So, I requested to be transferred to his Supervisor. At XXXX XXXX XXXXXXXX # XXXX also refused to provide me with her supervisors name. She said it was Cap One Policy. She told me the {$140.00} was still on my card. I asked her to have her Manager call me and she refused. She said it was Cap One policy. I asked to be transferred to the technical department and she refused as well.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-03-11 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: OK

Complaint narrative:
XXXX ; XXXX and Transunion should not be reporting each Inquiry showing on my credit report as a separate line item. ( Please see page attached from my credit report. ) These multiple inquiries are well within the ( 14 45 plus ) days that is typically allowed to check different lenders and find the best loans. These inquiries are all like kind and therefore should only be reporting as ( 1 ) individual line item. They are not separate, individual entities. This reporting of multiple inquiries is seriously harming my credit score and these additional line items need to be removed and report only ( 1 ) inquiry for each. I have contacted the bureaus to fix this 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 explanation
Consumer complaint received 2021-03-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: OK

Complaint narrative:
XXXX ; Experian and XXXX should not be reporting each Inquiry showing on my credit report as a separate line item. ( Please see page attached from my credit report. ) These multiple inquiries are well within the ( 14 45 plus ) days that is typically allowed to check different lenders and find the best loans. These inquiries are all like kind and therefore should only be reporting as ( 1 ) individual line item. They are not separate, individual entities. This reporting of multiple inquiries is seriously harming my credit score and these additional line items need to be removed and report only ( 1 ) inquiry for each. I have contacted the bureaus to fix this 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 explanation
Consumer complaint received 2021-03-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Selene Holdings LLC
State: WI

Complaint narrative:
Good morning, We're filing this complaint to bring to your attention the extremely nefarious manner in which Selene Finance is handling our request for a loan modification - There is a sale date on our home, scheduled for XX/XX/XXXX and we were certain to make sure that we submitted all documentation before the 35 day cut off requirement, to be reviewed for modification. 

- We originally submitted ( emailed ) 57 pages of documentation on XX/XX/XXXX ( 38 days PRIOR to sale ) - Receipt of those documents was CONFIRMED on XX/XX/XXXX, by XXXX, at Selene Finance. She claimed that the email was received, however, the documents could not be uploaded and recommended that we follow up the next day - We followed up on XX/XX/XXXX and spoke with XXXX, who confirmed once again, that the email was received, but the documents still could not be uploaded and recommended that we attach the documents individually to a new email - We sent an email on XX/XX/XXXX ( 37 days PRIOR to sale ) and on XX/XX/XXXX, we confirmed with XXXX that all documents were, in fact, RECEIVED ON THE XXXX and that our file was being set up for review - I've just hung up the phone with XXXX and she informed me that a letter was mailed out yesterday, denying our request for modification - claiming that documentation was not received within the 35 days prior to sale time frame. 

This is absolutely FALSE and in violation of XXXX XXXX XXXX guidelines! 

Kindly assist us with this, before we're forced to approach the Wisconsin Attorney General 's office and file legal action against saline. This current action is just an ongoing series of deceptive business practices and Federal fraud on their part I've attached screencaps of ALL emails ( with dates of transmission ) and notes from every conversation regarding this matter I can be reached at any time at XXXX Thank you for your help with this, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-11 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A.
State: IN

Complaint narrative:
Company Citi Bank XX/XX/XXXX, Opened Citi Priority Checking and Savings accounts XX/XX/XXXX, Deposited $ XXXX to Checking account and {$25.00} to Saving account XX/XX/XXXX, After more than 60 days of meeting the $ XXXX deposit requirements, Saving account was upgraded to accelerated saving while waiting for {$700.00} new account opening bonus for another 90 days. Customer Service stated I am already qualified for {$700.00} bonus and saving account upgrade would not impact my ability to receive the {$700.00} bonus XX/XX/XXXX, I did not receive the {$700.00} after 90 days waiting period. Filed promotion dispute. 
XX/XX/XXXX, Citi saying not eligible due to saving account was not opened within stated time frame. It was completely incorrect as my Saving account was opened on the same date on XX/XX/XXXX, which were reflected on the XX/XX/XXXX statement

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 2021-03-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: U.S. BANCORP
State: NC

Complaint narrative:
Elan financial stopped updating any of the 3 credit reporting companies as of XXXX of XXXX. This resulted in them showing late payments every month having a drastic impact on my score. When I tried to contact them to update the bureaus they just said they do every month, even though its clear that they haven't been, and filed to do anything to try and remedy the situation.

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 2021-03-11 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: VA

Complaint narrative:
I am filing a complaint against Equifax for reporting incorrect information on my credit report. I have filed numerous disputes and it is still not resolved. XXXX XXXX XXXX should have been removed off of my credit in XX/XX/XXXX. I have contacted XXXX XXXX XXXX directly numerous times and they have confirmed that the first late payment on this account was XX/XX/XXXX and the first missed payment was XXXX. All other credit reporting agencies have the correct information and have removed this from my credit report except for Equifax. Equifax has been very rude and will not even try to help me resolve this issue. The last time I called XXXX I spoke with XXXX on XX/XX/XXXX, XX/XX/XXXX and she confirmed this information is correct and that Equifax was reporting incorrect information and advised me to contact them. I have all documentation and records of who I spoke with and when from both Equifax and XXXX XXXX XXXX. Equifax did remove this from my credit on XX/XX/XXXX and then added it back. So they had the correct information at first to remove it and now they are reporting incorrect information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Freedom Mortgage Company
State: MI

Complaint narrative:
Due to Covid we were late on our mortgage payments. We have since been on time for 12 months and the last 60 day late should of dropped off this month and has not and is hurting us from getting a new mortgage. 

We did our part and not sure why the mortgage company is not reflecting this.

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 2021-03-11 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: XOOM CORPORATION
State: FL

Complaint narrative:
I recently made a transaction with Transaction number : XXXX to my sister via Xoom, a XXXX entity, of amount {$1800.00}. It is very urgent because one of my relatives is severely sick and needs help. Xoom has been hostaging my money for the last six days without any notification although Xoom claims to deliver money within 24-hours. After five days when I contacted them, they said they are still reviewing, and before that, they did not give me any update regarding the transaction while my sister is waiting for the money. The transaction is still pending. This is ridiculous. Note that Xoom has a history of discriminating based on people 's names and religion. I hope the government will seriously look into Xoom 's customers ' reviews and policies. They are claiming their service is fast which is a blatant lie.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: Social Finance, Inc.
State: TX

Complaint narrative:
I am unable to log in to my account or reset my password via the website. Customer service is unable to reset my password for me so that I may regain computer access to the account. Their customer service keeps telling me their contacting their engineering department with no avail. 

XX/XX/2021 SoFi Response : " I wanted to follow up with you in regards to your access to your profile. After reviewing your account our engineering department was able to see a login to your account today. If possible can you confirm if you were able to access your SoFi.com profile? We just want to make sure we provide the proper assistance to you with gaining access to your account. '' XX/XX/2021 : My response is the following : " I can access my account via the XXXX application. I can not access my account via the website because I don't remember my password nor can I reset my password because I never get the password reset emails. '' XX/XX/2021 SoFi Response : " My name is XXXX and I work closely with XXXX who is currently out of the office. I would like to thank you for providing this information to us. At this time I will advise our engineering team of these issues again. I will also contact XXXX to have her follow up when we have more information. Thank you again. '' XX/XX/2021 SoFi Response : " After looking into your account it seems we do not have an update at this time. I do apologize for the inconvenience this has caused you. Unfortunately, there is no ETA on when this will be resolved. I have contacted XXXX and engineering to see if we can have an update soon. Thank you for your patience. '' XX/XX/2021 SoFi Response : " I completely understand the frustration at this time. Unfortunately, there are no updates for this issue. I have contacted the engineering team and XXXX to follow up with you when there is an update. I do regret this information as a Manager would be advising the same information. '' XX/XX/2021 SoFi Response : " After further review, we are seeing that you're successfully logging into your SoFi account. Please make sure you are not attempting to log into your SoFi/XXXX account as that is different. You would need to contact XXXX regarding that issue. Please send me a full screenshot, including the URL bar to confirm this. '' XX/XX/2021 SoFi Response : " I have contacted our engineering team again regarding this information. I do apologize for the inconvenience, they just need more information. I have unlocked your account as I see the account is locked and have sent you a reset password link. Please let me know if you have not received that link. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: KEYCORP

Complaint narrative:
tried to activate debt an closed down my KeyBank Unemployment account. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: BARCLAYS BANK DELAWARE
State: IN

Complaint narrative:
Good afternoon, Ive been a loyal and an on time paying customer for at-least 6 years with this company! My overall credit has always been excellent and Ive never had a negative remark! After not using this card for almost a year, I woke up over one weekend to a surprise notification from my credit monitoring app stating I had a reported delinquency from this company for a 30 day delinquency. As you can imagine, this came as a total surprise to me as I received no communication from this creditor and without warning about it before it reported to the credit bureaus. Come to find out, they charged me an annual fee and even after 30 days of delinquency, I didnt received a single call, voicemail, email to warn me of this delinquency and provide an ability for me to avoid a credit reporting. This all happened while this company bombarded me with unsolicited advertisements and promotional emails. Once I realized this, I called and paid off the entire balance of {$41.00} but to my dismay the damage was done by losing almost 100 points on my credit score! Im really hoping you guys can do the right thing here and remove the unjust negative credit reporting especially during the state of affairs with COVID and lack of proper warning/communication. Thank you in advance.

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 2021-03-11 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Company did'nt valadate debt or show method of verification on inaccurate accounts on my credit report. I sent out multiple disputes for months

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 2021-03-11 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Problem with the payoff process at the end of the loan — 
Company: BBVA FINANCIAL CORPORATION
State: TX

Complaint narrative:
In XX/XX/2021 I paid off the loan for the XXXX. The bank sent the title to the XXXX address instead of my mailing address. Now they said they would send a lean release because the title was lost. Im going to have to travel to another city to get the title and pay for there mistake plus pay for someone to take me to that place. The US mail told me that they return undeliverable mail back to the sender. Help if you all can. Im in no hurry. Thanks

Company response to consumer: Closed with non-monetary relief