vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-07-02 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: TN

Complaint narrative:
I did not know that XXXX  got hacked in XX/XX/2017 and never received notification in the mail as they stated they were going to notify everyone affected. 
My homeowners insurance is coming up for renewal and they can not renew it because XXXX put a flag on my account when it got hacked stating Potential Fraud. 
XXXX refused to remove this even though I gave them PLENTY of personal information that would prove that I was who I was in able to get the flag removed. 
I am not able to aquire homeowners insurance because a Company that I DID NOT GIVE PERMISSION to receive and store my personal information let it be stolen. 
They stated that my NAME, SOCIAL SECURITY NUMBER, BIRTHDATE, ADDRESS, WORK HISTORY and everything else they collect got stolen. 
*I WANT A NEW SOCIAL SECURITY NUMBER XXXX XXXX XXXX XXXX XXXX XXXX XXXX TN XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-02 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Premier Student Loan Center
State: NC

Complaint narrative:
Premiere Student loan contacted me about my Student Loan with XXXX XXXX. I was told by Fed Loans that I did not need a third party to set up repayments. XX/XX/XXXX - XX/XX/XXXX, I paid {$1100.00} ( 5 months of payments in the amount of {$230.00} due on the XXXX of every month ). XX/XX/XXXX - XX/XX/XXXX, I paid a total of {$60.00} ( {$20.00} per month ). I was able to get the {$60.00} refunded after my Bank disputed the charges. I have tried to contact premiere Student Loans on several occasions to get the remaining {$1100.00} refunded without any success. I contacted a XXXX from Premiere ( XXXX ) on several occasions, but I am unable to reach her at the number that she left on my voicemail. I was originally promised that my Student Loans would be cut in half by going through Premiere Student Loans, but after consulting with Fed Loans I found that this was not accurate.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-07-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: FL

Complaint narrative:
on XX/XX/XXXX I received a letter from The Loan Care, LLC that my mortgage payment was late. Having been notified the month prior by XXXX ( my mortgage company prior to LoanCare taking over ) of the change in mortgage information, payment had been made to Loan Care on XX/XX/XXXX. I contacted Loan Care on XX/XX/19, and after spending 30 minutes and multiple calls got through to someone who stated they would refer this to the department that investigates. I informed LoanCare that I had already checked with my XXXX XXXX and that they confirmed payment had been received by LoanCare. I followed this up with printed confirmation via email and by postal service. As of this date, they are still showing me one month behind on my mortgage, and I am concerned about what this will do to my credit rating. I have NEVER been late on a payment. Calling LoanCare is the ultimate in futility as you can not get anything other than a recording. I can not get anyone to return my calls, or advise the status of my account other than getting past due reminders. I am retired, and can not afford to make another payment when proof has been provided to LoanCare of previous payment made.

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 2019-07-02 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: AES/PHEAA
State: TN

Complaint narrative:
Letters of XXXX keep coming to my address, and it wasn't me that did the borrowing, I'm not in school and a senior citizen and not employed, I got some letters of deferred payment, I've call FedLoan services and talked to someone and told the person that it wasn't me but the letters kept coming of the total amount due, also this payment had went to consumer reporting agency, it went to the credit agency, I haven't been to school in years, looks like it was easy to get the loan but trouble to straighten out, In my elderly condition I want this thing discontinued, I don't want this loan to identify me as being the borrower, and I want it straighten out through the XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-02 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: FL

Complaint narrative:
These five accounts listed show the wrong status & balances on the credit reporting bureau. I have previously contacted the credit bureau. 


XXXX XXXX  - XXXX XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX Collection - 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 2019-07-02 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: MI

Complaint narrative:
I performed XXXX  XXXX for two customers who paid me {$1900.00} via Paypal on XX/XX/2019, and {$600.00} via Paypal on XX/XX/2019, respectively. These customers filed a dispute with Paypal against me claiming they didn't receive what was purchased and subsequently withdrew the paid funds out of my personal bank account to hold until the disputes were resolved. Both disputes were resolved in my favor and Paypal credited my online wallet the money that was taken. Here are the details for each dispute and notice of the results from PayPal from XX/XX/2019 : We're happy to confirm that the following case was decided in your favor. We've credited your PayPal account for {$1900.00} USD. Here are the case details : Case ID : XXXX Buyer 's name : XXXX Buyer 's email : XXXX XXXX   XXXX Buyer 's transaction ID : XXXX Your transaction ID : XXXX Invoice ID : XXXX Transaction date : XX/XX/2019 Transaction amount : {$1900.00} USD Disputed amount : {$1900.00} USD This case is now closed and there is no further action needed. 

and then received on XX/XX/2019 : We're happy to confirm that the following case was decided in your favor. We've credited your PayPal account for {$600.00} USD. Here are the case details : Case ID : XXXX Buyer 's name : XXXX Buyer 's email : XXXX Buyer 's transaction ID : XXXX Your transaction ID : XXXX Invoice ID : XXXX Transaction date : XX/XX/2019 Transaction amount : {$600.00} USD Disputed amount : {$600.00} USD This case is now closed and there is no further action needed. 

PayPal redeposited these funds into my account so now I have {$2500.00} sitting in my account, however, PayPal closed my account prior to the settlement of these disputes and has blocked me from transferring my money back into my personal bank account. They withdrew these funds from my personal account when the claims were filed and by doing so, prevented me from being able to pay my mortgage payment that was already behind on. I'm facing foreclosure because of all of this money taken out of my account. Meanwhile, PayPal sits on my money and is most likely making interest off of it for each day that they hold on to it! When I called their Customer Service Department, I was told that it would not be release for 180 DAYS!!!! 

There has been no account activity since XX/XX/2019, when PayPal restricted the use and blocked me from sending or receiving any funds. It's been over 2.5 months since my account was used, so there is no reason why PayPal shouldn't deposit the funds BACK into my personal bank account from which they withdrew the money from in the first place. The amount I owe to my mortgage company is less than the amount that PayPal is holding and refusing to refund. 

I respectfully request help in resolving this matter so I can save my home from foreclosure. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Unbeknownst to me, I had a judgement against me. I went to court and let the judge know I was never served, so it was vacated almost a year ago. However, last week while applying for a refinance of my home, I received a copy of my credit report that shows said judgement. I've contacted both the court and the county small claims advisor and they said they can not help me fix this error. Please remove this from ALL of my credit reports. The case number is XXXX. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-02 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: FL

Complaint narrative:
These listed Three listed accounts continue to show the wrong status & balance on my credit profile. I have contacted the credit bureau. 

XXXXXXXX XXXX  - XXXX XXXX XXXX   XXXX - XXXX XXXX XXXX   - XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-02 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
Bluebird bank said my account has been permanently suspended due to transactions that were in violation of one of their rules

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-02 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: OR

Complaint narrative:
Equifax initiated disputes with three accounts on my credit report with out authorization. I submitted in writing requests to remove any remarks regarding old disputes against XXXX, XXXX XXXX, and XXXX XXXX. Equifax stated that since there were no remarks regarding disputes on those accounts that they initiated disputes. They further stated that since the disputes are under investigation they cant stop the disputes. 

I did not request these disputes and do not want to dispute the accounts. 
Thanks you,

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-02 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: GA

Complaint narrative:
My identity had been stolen in pass data breaches, I have account in my file that do not belong to me. Please removed this items from my report, I have follow the steps and filed an FTC complaint that is attach to this report as well as my ID, SS and proof of address. Thank you.

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 2019-07-02 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:
My identity had been stolen in pass data breaches, I have account in my file that do not belong to me. Please removed this items from my report, I have follow the steps and filed an FTC complaint that is attach to this report as well as my ID, SS and proof of address. Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-02 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: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
Capital One Bank/Lord and Taylor added my name without my knowledge or consent on my wife 's credit card account as an authorized user. I discovered this transaction after I was denied credit and obtained a copy of my credit report. Capital One/Lord and Taylor reported the following delinquencies to all 3 credit reporting agencies : 30 day delinquencies XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. They also reported 60 day delinquencies on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and a 90 day delinquency on XX/XX/XXXX. On XX/XX/XXXX my wife XXXX XXXX, my financial advisor and myself conference called Capital One/Lord and Taylor. My wife requested the bank to revoke my signing authority and I requested for them to correct my credit reports. Capitol One/Lord and Taylor said the credit history reported on my credit file would stay the same. I then asked them to provide me with a copy of a document that had my signature either acknowledging or authorizing the transaction and they could not produce one. Subsequently I asked them to send me a copy of a letter disclosing to me that I was added as an authorized user on my wife 's account. I was told no letter would have been generated for this transaction. I am XXXX XXXX and the negative reporting has affected my ability to obtain credit and has put severe limitations for terms on purchases from my suppliers. I am in the process of filing disputes with XXXX, XXXX and XXXX and have already contacted an attorney regarding this matter. My attorney advised me to file a complaint with CFPB,

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-02 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: WY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX Wyoming XXXX Equifax Information Services, LLC XXXX XXXX XXXX XXXX, GA XXXX XXXX/XXXX XXXX XXXX XXXX XXXX, XXXX Dear Sirs or madam I have obtained my Equifax report, this account XXXX XXXX XXXX XXXX XXXX, OH-XXXX shows numerous error ( s )  This is Not a Data Factoring account. Please remove this. 
It reports a One Month term which is false. Please remove this. 
The Estimated date of removal for the CA does not match the date that the original creditor, reports. Please remove this. 
The Date of First Delinquency with the Original Creditor is not provided Please provide this. Please remove this.The Date of First Major Delinquency with the Original Creditor is not provided Please provide this It has never been 12080 days late. Please remove this. The Balance is not correct. please remove this. 

I await your response, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-02 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: TX

Complaint narrative:
There are inaccurate information on my credit report. This is an FTC violation

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 2019-07-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I opened a new Citibank account on XX/XX/XXXX. They advertise that depositing {$15000.00} between your new checking and savings accounts and maintaining that balance for 60 days will net you a {$400.00} bonus 90 days later. I left the required amount in Citibank for the entire 150 days. It's now 152 days later and I still haven't been issued my bonus. When I went into the branch to complain, they told me that the account had to be originally funded via cashiers check ( not cash ) When I told them that wasn't in the terms of the original agreement, was not mentioned in any of the promotional material, and that no one mentioned it to me when I opened the account in the very same branch ( while referencing the {$400.00} bonus specifically ) they told me there was nothing they could do but open an inquiry. 

Here is a link to their promo. The terms are exactly the same with the exception that the offer dates have changed since I opened my account : https : XXXX? XXXX & XXXX ( I will also add this as a screenshot attachment in case that link goes missing ) As you can see there is nothing in there about the method of funding. It just says deposit {$15000.00} in new to Citibank funds between the new checking and savings accounts, and to maintain that balance for 60 consecutive calendar days. That's exactly what I did and I still haven't been given my bonus.

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 2019-07-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Unbeknownst to me, I had a judgement against me. I went to court and let the judge know I was never served, so it was vacated almost a year ago. However, last week while applying for a refinance of my home, I received a copy of my credit report that shows said judgement. I've contacted both the court and the county small claims advisor and they said they can not help me fix this error. Please remove this from ALL of my credit reports. The case number is XXXX. Thank you.

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 2019-07-02 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: MoneyLion Inc.
State: VA

Complaint narrative:
Money lion inc has been reporting delinquent payments months after the late payments. 
I fully paid off the loan on XX/XX/2019 and they are showing the account still past due to this day XX/XX/2019 and reported missed payments on XX/XX/XXXX and XX/XX/XXXX which caused my credit score to decrease significantly. This seems very unfair to me until I paid the account off the late payments were never reported. 
I contacted money lions support team and they stated that the system does this automatically and they have no control over the reporting nor would they attempt to help me. I asked to speak to the supervisor and never connected to them, and was told the supervisor would do nothing for me. 
They stated they can do nothing on their end and I would need to dispute this via XXXX  or XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
My social security number was compromised, i spoke with Transunion about this issue and their customer service would not help and take care of the negative inquiries reporting to 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 2019-07-02 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: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I try and use my chase credit card and it was declined for unknown reason so I called chase bank and see what going on and they said that my account was closed for not having enough credit history on my XXXX report which is false and I explain to chase that I missing at least three credit cards of that report and Ive been a long time chase credit card holder for 15 months with no late payments history and no disputes and I made my payments on time and most of them are larger amounts and all sudden this chase account XXXX was closed and chase wouldnt reopen it back up and my credit is in jeopardy right  now and I might end losing relationships with other banks due to my credit score is gon na drop if chase reported my account to the credit bureaus

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-02 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: TX

Complaint narrative:
There are inaccurate information on my credit report. This is an FTC violation

Company response to consumer: Closed with explanation