vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-11-17 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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
My info was stolen from me around eight years ago when my house was robbed. Ever since someone has been using my personal private info to open accounts in my name. I filed a police report and an identity theft report. I disputed all fraudulent items with all 3 credit bureaus and still they have done nothing. I am furious that someone can just get stuff in my name so easily and no one is doing anything to help 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 explanation
Consumer complaint received 2020-11-17 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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
My info was stolen from me around eight years ago when my house was robbed. Ever since someone has been using my personal private info to open accounts in my name. I filed a police report and an identity theft report. I disputed all fraudulent items with all 3 credit bureaus and still they have done nothing. I am furious that someone can just get stuff in my name so easily and no one is doing anything to help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-17 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: NCB Management Services Inc.
State: CA

Complaint narrative:
NCB Management Services was collecting for a debt I had, and their collection agent promised that if I paid them, they would delete it from my credit report at all credit bureaus, all I had to do was dispute it through the credit bureaus after I paid. 

So I paid NCB Management Services, and now I have disputed the account multiple times through the credit bureaus but NCB Management refuses to delete it from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-17 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: NY

Complaint narrative:
On or about XX/XX/2020, I authorized Paypal to use my credit card ending in XXXX to process automatic transactions from XXXX. I did not authorize Paypal to use any other forms of payment for these transactions. However, Paypal disregarded my authorizations and used my XXXX checking account to settle a XX/XX/XXXX transaction in the amount of {$34.00}. Paypal did not notify or ask my permission in any form to use my XXXX checking account to complete this transaction. As a result of this unauthorized transaction, my XXXX account got overdrawn and I was charged fees that exceeded the amount of this transaction. My checking account history got damaged as well because of this unauthorized transaction. Paypal fraudulently charged my bank instead of my credit card because bank transactions cost them less than credit card transactions, even though I explicitly instructed them to use my credit card.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Block, Inc.
State: MO

Complaint narrative:
Locked out of cash app and now I cant access and they wont merge the two profiles after I provide the correct information. I have thousands of dollars in this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
I am writing this due to non-compliance with the XXXX XXXX, XXXX, Transunion XXXX. They have failed to remove information that was affiliated with personal details that were challenged in the past .These details include inquiries that I have not authorized. This is affecting my credit in a negative way and I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law.

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 2020-11-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Rocket Mortgage, LLC
State: AZ

Complaint narrative:
We applied for a refinance with Rocket Mortgage XXXX they were our prior lender ). We were approved and signed closing documents. Three weeks after our close date that is listed on the website ( XXXX ) we are told that the refi has not closed ( even though it shows closed and a payment due ) because of a covid attestation question that was not answered, which I answered last week. We are now being told that even though it shows the loan closed we may have to resign at different terms but noone can give me any info. We currently are showing two open mortgages with two payments due. I am beyond frustrated that even though our loan supposedly closed last month and we were to skip our XXXX payment I had to go in and make a payment half way through the month on the OLD loan that was supposed to be paid off. I have still gotten zero resolution to this and it has been 3 weeks since our " second '' loan has closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
On XXXX my XXXX account was compromised & a purchase was made on my XXXX  account using my debit card. The thief bought a XXXX camera for {$490.00}. He had it shipped to a address in XXXX Florida, I have lived in XXXX XXXX Florida my whole life. XXXX is over 7 hours away from my home. I got a email from XXXX immediately but, I did not notice this transaction until 2 days later on XXXX. By this time the item was already on its way to the thief. I immediately filed a dispute with my bank CHASE and also contacted XXXX. This transaction does not show up on my XXXX which is weird because I have never had my debit card information on XXXX itself, I always use XXXX. This is odd because when i make a purchase with XXXX I always receive an email from them, I did not get an email from them for this transaction. CHASE sent me a temporary {$490.00} while the claim was investigated. On XXXX I received a letter from them that they concluded that the transaction was authorized and they would be taking the {$490.00} back. I find this very unfair as I never authorized this transaction and I live nowhere near XXXX nor do I have family or friends there. Please help me out, it is a lot of money and I work hard for my money. Thank you.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-11-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: LA

Complaint narrative:
On XX/XX/XXXX a disputed a missed payment on my auto loan due to Hurricane Laura that hit XXXX XXXX, Louisiana. Our area was declared a natural disaster and I called the bank beforehand. 

The amount was {$700.00} and the loan is through Bank of America. 

I have never missed a payment besides this one.

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 2020-11-17 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: Freedom Mortgage Company
State: VA

Complaint narrative:
I want to first apologize as this is definitely still a learning process for me. I am truly attempting to understand the things that are not said which creates the hrey space in which some organization operate. 

In XXXX of XXXX I was on XXXX XXXX and receiving outpatient care. I ended up XXXX  in XX/XX/XXXX for a few months and missed a payment. I made the payment but then had some additional medical issues that left me incapable of executing my financial responsibilities. In XXXX of XXXX I applied for a loan modification which was not approved until XXXX. In XXXX of XXXX my house was damaged due to hurricane Florence which was a natural declared disaster. My credit report has been changed several times by Freedom Mortgage until they just put a delinquent status for 4 months XXXX XXXX to XX/XX/XXXX ). During that time I was in a Forbearance, natural disaster and military orders. Do any of these impact how information is reported to the credit agencies? 

This year I am in a Forbearance however I was current went the Forbearance was implemented yet there is no positive reporting. Is it only negative information that is reported? Please pardon my ignorance

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 2020-11-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MN

Complaint narrative:
Complaint regarding Capital One - employee ID XXXX and the company in general : On XX/XX/XXXX, I made a credit card payment of {$500.00} to may Capital One credit card ending in XXXX, which was 5 days before my minimum payment of {$250.00} which would have been automatically scheduled to be paid on XX/XX/XXXX. 

After my payment was confirmed as withdrawn from my bank ( XXXX XXXX XXXX account ending in XXXX ), Capital One showed that the payment had officially posted on XX/XX/XXXX. 

At that time, Capital One stated my automatic payments were setup to pull only the minimum amount due on my card. The same page displayed that my minimum amount due on my card was {$0.00} - no payment was due, no minimum payment due. 

On XX/XX/XXXX they still however pulled {$250.00} from my XXXX XXXX XXXX  account ending in XXXX despite saying {$0.00} was due to be pulled. 

When I called, I was referred to a supervisor - ID XXXX. She indicated that there was nothing she could do and that it will always pull automatic payments unless I cancel them directly. I understood this, but told her Capital One showed my minimum payment was {$0.00}. After discussing it further, she said the only way to reverse a payment would be to mail a physical check to me, which could take quite a few days, and this puts me under extreme duress. 

When I mentioned that I know they have the technology to do an ACH reversal to the bank account it was pulled from she acknowledged saying " yes, but this is not our policy ''. 

I then asked if I could talk to any other supervisor who could look into listening to my circumstance as I'm under extreme financial duress and she would not refer me to anyone else, saying she was the manager, and I couldn't talk to anyone else.

I asked if I could have a link for a survey, and she told me that they only send out surveys to random calls, and would not give me any means of submitting any complaint to anyone. 

My only choice has been to submit the complaint here, in hopes that someone can pass this review to Capital One so they can listen to the recorded phone call I made today, XX/XX/XXXX at XXXX Central Time. 

No one offered to look into my situation a little more, or help me reverse a payment any quicker than sending a check, and I felt pressured to get off the phone with no solution. If the recorded phone call is listened to, one can tell I tried to approach this with patience and understanding, but when I don't get anyone who will try to empathize or even give me a chance to submit a complaint, I feel that doesn't meet CFPB guidelines to protect consumers - as there's also no where on Capital One 's website where I can send an email - and I'm resorted to sending a letter by mail because when I call back, I get the same level of management - no one else will pass on my complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-17 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: MS

Complaint narrative:
I am writing this due to non-compliance with the XXXX Equifax, XXXX, XXXX  XXXX. They have failed to remove information that was affiliated with personal details that were challenged in the past .These details include inquiries that I have not authorized. This is affecting my credit in a negative way and I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-17 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: MS

Complaint narrative:
I am writing this due to non-compliance with the XXXX XXXX, Experian, XXXX  XXXX. They have failed to remove information that was affiliated with personal details that were challenged in the past .These details include inquiries that I have not authorized. This is affecting my credit in a negative way and I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law.

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 2020-11-17 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: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
I noticed an inquiry on my credit report from Comenity Bank on XX/XX/2020 that I did not authorize. I called XXXX to dispute it and have it removed but, I was told to contact Comenity Bank. I spoke with them and they said they would look into it and get back with me. I didn't hear anything from them so I sent a certified letter to ask to have it removed. Still no response so, I contacted XXXX again to dispute it and they said they could not remove it until they get authorization from Comenity. I sent another certified letter to Comenity Bank and called again. They said they did not see an account with my name or where I applied for credit. They again said they would look into it to have it removed. It has been six months and the inquiry ComenityXXXX/bjsw is still on my XXXX credit report. I am looking to purchase my first home next year and hope I can get this unauthorized inquiry removed. Thanks in advance!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-17 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: NCB Management Services Inc.
State: CA

Complaint narrative:
NCB Management Services was collecting a debt and their collection agent promised me that if paid them they would delete the collection from my credit report at all credit bureaus, all I had to do was dispute it through the credit bureaus after I paid them. 
So I paid them and now I have disputed the account multiple times through the credit bureaus but NCB Management has refused to delete the account as their collection agent promised.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-17 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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
READ THIS DESCRIPTION THOROUGHLY : I have already sent all my information from my ID and bills through certified mail on XX/XX/2020 to all these 3 major credit bureaus. They can check my complaint, then quickly within 1 day ( examples are below ) close my complaint case so quickly, but can not follow the FCRA law to verify the unverifiable, unauthorized, inaccurate, fraudulent negative accounts that are in my report. How are you ( Experian, XXXX  and XXXX ) as a company to look at my complaint so quickly, close my complaint so quickly, tell me MULTIPLE TIMES I need to send/mail my information you when I HAVE ALREADY SENT IT TO ALL 3 COMPANIES ( Experian, XXXX, and XXXX  XXXX. This matter is completely UNACCEPTABLE! 


XXXX  XXXX 's Response  We applaud your recent efforts to take charge of your credit. We want you to know were on your side, and were here to help support you on your path toward credit health. We recently received a request that contained your information, but it didnt appear to have been communicated by you or a properly authorized third party. 

( How are you as a company to tell me to verify myself and NOT check the CERTIFIED MAIL in XX/XX/2020 I have sent to all 3 credit bureaus of my current drivers license and utility bill, violating my rights. In violation of the FCRA law!!! ) STATUS Experian Company responded on XX/XX/2020 RESPONSE TYPE Closed with explanation Company 's Response Thank you for submitting your complaint on XXXX XXXX, 2020 through the CFPB Complaint Portal. We reviewed and considered the information you have supplied through the CFPB portal. Your CFPB complaint regarding your reinvestigation does not appear to have been sent directly by you or to be authorized by you. 

Again! ( How are you as a company to tell me to verify myself and NOT check the CERTIFIED MAIL in XXXX 2020, I have sent to all 3 credit bureaus of my current drivers license and utility bill, violating my rights. In violation of the FCRA law!!! ) REMOVE ALL MY INACCURACIES OFF MY 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 2020-11-17 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ATG Credit, LLC
State: IL

Complaint narrative:
XX/XX/2020 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX ATG Credit Re : Acct # Unknown To Disputes Department : This letter is in response to your recent claim regarding an unknown account, which you claim that I owe you {$280.00}. By not replying in a timely manner to my initial letter on XXXX/XXXX/2020, you have not only violated federal and state laws, but you have also failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. 

Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete and represents a very serious error in your reporting. 

I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney Generals office, should you continue in your non-compliance of federal laws under the Fair Debt Collection Practices Act, the Fair Credit Reporting Act, and the corresponding local state laws. I further remind you that you may be liable for your willful non-compliance. Failure on your behalf to provide a copy of any alleged contract or other instrument bearing my signature may result in a small claims action against your company. 
I would be seeking a minimum of {$1000.00} in damages per violation for : Defamation Negligent Enablement of Identity Fraud Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) You would be required to appear in a court venue local to me, in order to formally defend yourself. My contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX. XXXX  L XXXX, IL XXXX XXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. 
CC : Consumer Financial Protection Bureau CC : Attorney Generals Office CC : XXXX  XXXX  XXXX  XXXX XXXX CC : XXXX XXXX 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 2020-11-17 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Revenue Assistance Corporation dba Revenue Group
State: OH

Complaint narrative:
Here we go as the REVENUE GROUP # XXXX is violation of my Hippa Rights and NEVER PRODCUED any information with support this debt and need to help accountable. I requested the Assignment of Debt, Validation of Debt and Method of verification. 

How can they continue to report this negative information to CA 's with supporting information which is required by the Fair Credit Act and they are in violation of Fair Debt Collection Practice as well. 

Why should I have to wait until they try and collection information that should have had in the first place! If would have paid this account it would have not been a delay with accepting my money ... 

What good is the CFPB if they will not do anything about collection practices of the nature? 

It's been over 60 days I have been dealing with this account, please remove ASAP or find yourself in small claims court where you will be paying me, for violation of my rights.

Company response to consumer: Closed with explanation