vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-06-28 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I have tried calling but either disconnected while waiting or other issues. 

Experian : I am requesting the 'parameters ' used to determine their XXXX XXXX XXXX determination for the credit score matrix for ; 08, Too many inquiries last 12 months, 09, Too many accounts recently opened, 10, Proportions of balances to credit limits is too high on bank revolving or other revolving accounts, 14, Length of time accounts have been established, XXXX XXXX I am requesting the 'parameters ' used to determine their XXXX XXXX determination for the credit score matrix for ; 00005, Too many accounts with balances, 00014, Length of time accounts have been established, 00030, Time since most recent account opening is too short. 

XXXX XXXX : I am requesting the 'parameters ' used to determine their XXXX XXXX determination for the credit score matrix for ; 004, Lack of recent installment loan information 012, Length of time revolving accounts have been established, 014, Length of time accounts have been established, 030, Time since most recent account opening is too short. 

I would request their parameters for all the individual codes for future use. 

Thank you, 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 2021-06-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Experian, XXXX, & XXXX violated my rights as a consumer pursuant to 15 U.S. Code 1681b. I did not submit written consent to these agencies for them to furnish a report. These agencies can not provide me evidence of a written consent. I contacted Experian on XX/XX/XXXX and XX/XX/XXXX via calling to get everything on the profile deleted. They ignored my request and told me they could not delete my account. I asked them to produce documentation showing my written consent and they said they have no evidence of my written consent but still would not delete the profile. I contacted XXXX on XX/XX/XXXX via calling and told them the laws they violated and the agent disconnected the call. I attempted to speak with XXXX  but the call never connected me to an agent. As a consumer I feel extremely violated.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I have not receive any response to the letters that I have send they are ignoring them.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: General Motors Financial Company, Inc.
State: OH

Complaint narrative:
On XX/XX/2021, A Affidavit Of Truth was sent to this company by USPS Certified Mail, tracking number : XXXX. Detailed was notification to this company on the violations they have committed under the FDCPA ( Fair Debt Collection Practice Act ) 15 USC 1692a ( 3 ) a Affidavit Of Truth with sworn statements under penalty of perjury to confirm all statements as facts.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-28 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: CREDIT ACCEPTANCE CORPORATION
State: MI

Complaint narrative:
credit acceptance reported on my credit report an charge off and the the account was open XX/XX/XXXX and that is was closed on XX/XX/XXXX and that there was no payments made i have proof that there was payments made all the way up until 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 2021-06-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: PA

Complaint narrative:
Back in XXXX, I had to switch accounts from which my mortgage payment was withdrawn from ( to a XXXX account ). Prior to that, several months before, I was issued checks for this said XXXX account. Without my knowledge, these checks had the wrong account number on them ( two digits were switched ). Prior to switching to this new XXXX account, I had used the erroneous checks successfully and without notification from XXXX that the numbers were not correct. 
When I added the payment information to Freedom Mortgage using the erroneous check number, I was not immediately notified that the account information was incorrect. I received a letter from Freedom two weeks after the payment failed mentioning the account number was wrong. I thought that maybe I inputted the check number wrong, as I had no idea the account information on the check was incorrect. By the time I received any notification from Freedom Mortgage, I had a late payment and a negative credit reporting. It wasn't until this time that I realized the account information was wrong. Again, XXXX used did successfully withdraw payment to another vendor using one of these checks. 
I am complaining because Freedom Mortgage did not give me adequate time to find and adjust the error. In a communication with them, they claimed they called me on three separate dates. My phone records do not show any calls from them. They also said they were unable to leave voicemails. In a further communication, they said they don't always attempt to leave voicemails. I had a perfect payment history with all companies, over XXXX in liquid assets on a $ XXXX mortgage. They did not provide adequate time ( mailing a letter weeks after the delinquency ) and I could not find the error in time. Then they lied about actually calling 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 2021-06-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: Bread Financial Holdings, Inc.
State: VA

Complaint narrative:
In XX/XX/XXXX, I signed up with an XXXXXXXX XXXX XXXX to finance my XXXX XXXXXXXX for two years. The beginning balance {$6400.00}. I made consistent payments and had {$1400.00} remaining balance as of XX/XX/XXXX. Due to Covid, I lost my previous job and took a new job that pays a lot less. After reviewing my XX/XX/XXXX statement, I saw that my balance went up to {$3900.00}. The promotional deadline was different than my statement deadline, which is the end of the month. I was charged {$2400.00} in accrued interest after XX/XX/XXXX. I paid off my original balance of {$1400.00} on XX/XX/XXXX. 

It was my understanding that the interest was going to be of the remaining balance, not the original balance of {$6400.00}. This was my understanding based off what the credit card sales representative originally explained to me before I signed up for the promotion in XXXX. I was charged approximately 29 % interest of {$6400.00} on XX/XX/XXXX. I called XXXX XXXX XXXX on XX/XX/XXXX and explained my situation. The first customer representative claimed that I had no interest charged to my account but could not clearly explain where the additional {$2400.00} came from. I expressed my financial hardship due to the coronavirus and what the original credit card representative told me. He told me that I was receiving a credit of an unintelligible amount and that it will be reflected on my XX/XX/XXXX statement. 

I was skeptical so I called again for a different representative. Again, I explained my situation on how the pandemic severely diminished my salary and I struggled to pay but eventually paid off my original balance on XX/XX/XXXX. The representative told me that they could not do anything about the additional {$2400.00}. I asked if there was any covid-related assistance and she told me no because of the contract. I then expressed that the contract was confusing and that being charged almost 29 % of {$6400.00} was unconscionable and not my initial understanding as explained by the credit card representative who recommended the plan to me in XXXX. He explained to me that interest would be of the remaining balance -- not the original balance. Had he clearly expressed that it the interest was based on the original balance, I would had made payments differently. 

It is highly immoral for the credit card sales representative to make a false representation of the interest scheme, which I relied on.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-28 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Harris & Harris, Ltd.
State: MD

Complaint narrative:
This company, Harris and Harris says that they're a law firm, calling in an attempt to collect a debt. They have repeatedly called my place of employment. I have stated to them that this debt is not mine, and if they believe it is, please send the original debt information to my home address that they should have on file. 

This has now become harassments at my place of employment, which I think they're trying to extort money from me on a debt that is not legally mine. 

I believe these people to be, or in the practice of committing fraud. 

There telephone number is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-28 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: MI

Complaint narrative:
Experian is ignoring the cares act and lowering credit scores due to unpaid student loans even though all student loans are suspended

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
I was the victim of a scam to which Wells Fargo contributed. I was provided a cashiers check in the amount of {$1900.00} dollars which I cashed at Wells Fargo, where I had an account with approximately {$1200.00}. The cashier processed the check, provided the funds. 31 hours later I received notification from Wells Fargo that the check was not good and my account had been emptied by the bank to cover the amount. Additionally, I was charged {$670.00} to cover the {$1900.00} and charged a {$12.00} fee. My complaint and concerns are that at no time did anyone in the bank advise me that cashing the cashiers check would make me liable for the whole amount, notwithstanding that I didn't have sufficient funds in my account to cover the entire amount. At a minimum I should have been advised of that policy and I would have deposited the check instead and we would all have found out it was fraudulent and worthless. Instead, by extending me the funds in excess of my account holdings Wells Fargo contributed to the fraud perpetrated against me, however unwittingly. The delay from accepting the cashiers check for pay-out to the discovery of it being bogus - a full 31 hours - enabled the scammers to get away with their fraud. I own my duplicity in being scammed. However, current banking policy of paying out cashiers checks on demand notwithstanding the delay in verifying the authenticity of a cashiers check coupled with the bank 's automatic and apparently legal practice of plundering depositors ' funds to cover the bank 's inability to verify the legitimacy of a cashiers check is appalling. At a minimum when a customer is seeking to cash a cashiers check he/she should be informed of any risk to the customer 's account so that the customer can make an informed decision to deposit the check versus cashing it. Further, a customer shouldn't be allowed to cash a cashiers check in excess of their account holdings. The entire practice is deceptive and encourages scammers who clearly understand the banks ' practices and delays in verifying cashiers checks which are complicit in abetting scammers.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-28 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
State: NY

Complaint narrative:
PayPal closed my account for no reason and will not help me with getting it back up and going. They also took the balance from my account after stating that after 180 days they said it would be released back to me. 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 and it is effecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal is XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-28 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: Lending Club Corp
State: FL

Complaint narrative:
These accounts don't belong to me. please remove accounts : 1. Identity Theft XXXX Account Number : XXXX This is not mine. 

2. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

3. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 

4. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 

5. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 

6. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

7. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

8. Identity Theft LENDING CLUB Account Number : XXXX This is not mine. 

9. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

10. Identity Theft XXXX Date of inquiry : XX/XX/2019 This is not mine. 

11. Identity Theft XXXX  Date of inquiry : XX/XX/2019 This is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Flagstar Bank, N.A.
State: NV

Complaint narrative:
XXXX sold my mortgage to Flagstar Bank as of, apparently, XX/XX/2021. As per XXXX  original letter to me, I paid XXXX  with check in the amount of {$950.00} on XX/XX/2021 which cleared my bank on XX/XX/2021. Flagstar  refuses to give me credit for that pay and insists I owe them money. I had included a copy of the check in my XXXX payment which I made out to Flagstaff  Bank on XX/XX/XXXX in error. After waiting 5 days for the check to show up in my account and assuming since it was made out incorrectly they would not deposit it, I made out a check to Flagstar Bank, along with a copy of my XX/XX/XXXX check to XXXX. As the check to Flagstaff  Bank cleared after a week, I stopped payment on the second check made out correctly to Flagstar Bank. I received a letter from Flagstar on Saturday, XX/XX/2021 stating I was not only in arrears but also this was a legal debt collection. Today, XX/XX/2021 at XXXX XXXX  pacific time I called the number in the letter. After trying to figure out their totally non-informative menu, I finally reached a human being. After informing the person that I was really upset about their non-responsiveness to my inclusion of a cancelled check in my payments and that I felt this was not my problem but XXXX and Flagstars, the person hung up on me. Aside from being terrible customer service, this is not useful in trying to solve issues. Please deal with Flagstar as they obviously have no interest in dealing with a private citizen. Thank you. 
I have naturally put my XXXX, XXXX  payment in the mail today in my usual amount of {$950.00} which includes additional principal.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-28 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: NY

Complaint narrative:
As of XX/XX/XXXX, my Chapter XXXX Bankruptcy was to be deleted from my credit file ; it has been 7 years. XXXX and XXXX deleted it automatically, I am still fighting with Equifax to have it removed. 
XX/XX/XXXX - Submitted dispute to have a ChXXXX bankruptcy removed because it was discharged. RESULTS : they put the words discharged on the file. After looking closely, the I noticed that the bankruptcy was listed as a ChXXXX ( converted to a XXXX, but the court changed it back to a XXXX ). 
XX/XX/XXXX - Disputed to have the correct filing listed by sending over the court documents and requesting it to be removed. RESULTS : That XXXX has reported to them the correct information ; it remained a ChXXXX. 
XX/XX/XXXX - I called XXXX, they verified that it was obtained thru the court and that it was indeed a ChXXXX I received the report in the mail a week later as confirmation. They stated that i had until XX/XX/XXXX for Equifax to respond. RESULTS : nothing has changed. 
XXXX I called Equifax XXXX why they haven't updated my information and deleted the bankruptcy. Was told that yes, indeed, it was a ChXXXX and the update should happen within 2-5 business days. I chose to have it emailed to me. Nothing. 
XX/XX/XXXX - Called Equifax to find out why it hasn't ben update/removed. Rep told me that I was misinformed and that they don't add or delete without direct confirmation from the source ( court ). He gave me the # to the court, I called, the lady explained that they NEVER send out anything to the bureaus, ever. I called XXXX. the rep stated that it shows on their report that the info was obtained by the County Court in my state. She then stated that since I already had the report, there was nothing further that they could do. RESULTS : I am back to where I began in XX/XX/XXXX. I had to file another dispute, this being the 5th one. 
I really don't know what to do. It is bringing my score down. Help.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report. To this day, over 30 days later, I have not received a response yet. I feel like Im being taken advantaged of and being ignored. Section 611 ( a ), It states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Its been over 30days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Citibank On XX/XX/2021 I purchased XXXX XXXX Products from their website using my Citibank Debit card, at that time they double charged me. I immediately tried to inform XXXX via their Instant Messaging. Since their messaging system is useless and uses pre-programmed responses, it was a vicious circle trying to tell them they double-charged me. 

I immediately contacted Citibank to let them know. They insisted I wait a few days to see if it drops off. It did not. I disputed the charges repeatedly and Citibank contacted XXXX. They claimed that I made two separate charges, that is a bold-faced lie. I only have one computer. Why would I order two? It is mind-boggling to me how XXXX would not just refund me the {$69.00}. I have disputed this charge with Citibank no less than five times and walked into my Local branch where they reversed the charges and then Citi Corp. re-charged me because XXXX continued to say I purchased two. 

I am confused, this is my Bank account and they refused to protect my Account. Citibank stated that XXXX determined that I bought two subscriptions. I have been a Customer with Citibank since they changed from XXXX 20 years ago. 

I just dont understand why XXXX XXXX XXXX company would forcibly steal {$69.00} from a single XXXX with two children and Citibank is complicit in allowing it. After seeing Citibanks F Rating on the XXXX Rating of XXXX stars out of five, its no wonder they have a one star rating and over XXXX complaintsI am clearly NOT the only one having issues. I believe they need to be investigated for improper/unethical Business Practices. 

Any assistance in this matter would be greatly appreciated. I look forward to your response. Please let me know if you need anything further from 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 monetary relief