vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-09-25 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Advertising — Confusing or misleading advertising about the card
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
I contacted paypal today and was told they hold direct deposits for 1-2 pay periods. I receive ssi and if the hold my deposit, I will accumulate late fees in the amount of {$50.00} a day starting XX/XX/XXXX. My rent is due no later than 3rd. The representative I spoke with at XXXX confirmed this and so did a rep on their XXXX  page. Those reps on XXXX then proceeded to give me the wrong customer service number. The cash card I have is held by XXXX XXXX  for paypal, not netspend. What they told me today doesn't match what their website for the cash card says, please see it at https : //www.paypal.com/us/webapps/mpp/paypal-debit-card? kid=p50274079852 & gclsrc=aw.ds & & gclid=Cj0KCQjwqrb7BRDlARIsACwGad7D9Nc33dNhyvqz-MjKDUVC9k3Prmdst0KdXVtkHAwaTnCyOL29ZwYaAmk7EALw_wcB I was advised by the rep on the phone to contact social security and have them change my pay date but for this to be in line with PayPals terms, that would have to be 1-2 months ago and I didn't sign up for direct deposit through paypal until this month.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I received a derotary trade alert on my credit report. Neiman Marcus was reporting a charge/off, with no account number, no balance. Consumer statement did not come from me. See attached.

I called them as soon as I received the alert to discuss the debt. They would not speak to me and said it was chargedoff.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-25 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: The CBE Group, Inc.
State: TX

Complaint narrative:
XX/XX/20 -I received a phone call from CBE GROUP , stating that I owed a balance of XXXX ( XXXX XXXX ). After information was provided, on a recorded line, I told the representative ( XXXX  ) to  cease and desist all forms of communication with me. The representative then became upset and asked why I was requesting a cease and desist action. Today ( XX/XX/20 ) I received a letter from the same company stating the same information, after I told the representative to no longer contact me ( cease and desist ). The debt in question has already been discharged.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC
State: IL

Complaint narrative:
I began shopping for a mortgage in XXXX of XXXX  for a closing date of XXXX XXXX, 2020. I applied with two different mortgage companies to negotiate the best rate possible. 
One lender gave me a proposal that only included XXXX591 points. I emailed a copy of this to the Senior  Lender at the other mortgage company and he agreed to give me a credit in the amount of {$1100.00} which was reflected on the XX/XX/2020 Loan Estimate they provided me. 

On Saturday XX/XX/2020 at XXXX XXXX  I received an email with final disclosure and saying I needed to E-sign it to insure my closing date. The Loan Disclosure that came with this request did not have the Lenders Credit of {$1100.00}. I sent several emails to the Banker and the Purchasing Manager asking why the Credit was not included. Sometime on Monday XX/XX/XXXX I was able to get the Purchasing Manager on the phone ; however he said my Banker needed to answer my question and he had taken vacation. I ultimately signed the document and continued to ask questions about the disappearance of the {$1100.00} Credit. I have gotten the run around with no one answering my question. Then yesterday I received an email from the Banker and he said the team that had processed the loan in his absence told him that the Credit had been factored in some other place. I looked closely at the Consolidated Closing Statement and didn't see anything that remotely resembled the credit. When I asked the Banker to show me where on the Closing Statement the Credit had been factored in, I got no response and have not heard from anyone at the Mortgage Company.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-09-25 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Struggling to pay your loan — 
Company: OneMain Finance Corporation
State: LA

Complaint narrative:
I fell behind on my monthly payments. The manager of the XXXX XXXX branch of One Main Financial harassed me at work. She repeatedly called me daily on both my cell phone and work phone. She even faxed proof of income request forms to my work fax machine that was publicly visible by my colleagues. She was told on several occasions that she was calling the office phone number ( which was a XXXX ) and not to call back by me and the manager on duty. She continued to call me at work which was stressful and embarrassing for me. After I XXXX, I accepted a new position but had not officially started work there. I had not provided any new job information or updates to my work phone/address etc. to One Main Financial.  Somehow she was able to locate the company which was out of state! She began calling my new employer. I did not provide the contact information but somehow she called the XXXX  manager and he contacted me about the phone calls. Again I was harassed and embarrassed at my new job. This was a violation of my privacy and completely unethical.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-25 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — 
Company: U.S. BANCORP
State: CA

Complaint narrative:
I sold my home at XXXX XXXX XXXX on XX/XX/2020. US Bank owes me approximately {$380.00} due to an overpayment. I've been trying for nearly 2 months to get that payment sent to me and they are not sending it, even though the pretend like the " check is in the mail. ". I've called at least 5 times, been told it will be resolved, only to never have my money arrive. They have no problem mailing me credit card offers, closed statements for my old checking account, or any other documentation. It's ONLY the money I'm owed that never gets to me. They also never have provided a written closing statement to me.

I've attached a statement with my account number and name so my info can easily be ID 'd.

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 2020-09-25 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: SYNCHRONY FINANCIAL
State: NJ

Complaint narrative:
The company called me in regards to my bill I paid it with two different accounts and they processed the payment slower than normal which then put a delinquent notice on my account which was incorrect, my credit score has dropped dramatically because I have never been late with any of my bills and yet now Im having a difficult time trying to rebuild my credit because of their mistake

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 2020-09-25 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: CA

Complaint narrative:
XXXX of this year I filed disputes with the credit bureaus and yet to this day have a received anything from them. This is holding up my processes of repairing my credit and I feel this isnt right. I know the law said they must reply within 30 days it has been longer and this should not be allowed no matter what going on.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-25 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: IL

Complaint narrative:
I contacted Experian and XXXX  recently regarding information reported on my credit file. I inquired about the individual/s that reported to their concerning regarding a bankruptcy in XXXX and XXXX. I was advised by the representatives/ and supervisor that the United States Bankruptcy Court XXXX District of Illinois reported the information to Experian and XXXX . I asked that information be removed in accordance to Section 1681 ( 5 ) of FCRA ( Fair Credit Reporting Act ) I was told they would not be removing because the above entity reported this information. The above-mentioned credit agency was advised that the Bankruptcy Court did not report this information and I presented proof of this information to the credit reporting agency. I received and update to my credit report on XX/XX/XXXX stating they had completed my dispute. Experian and XXXX seem to not follow the law in reporting fairly and in accordance to the law. I have attached the letter of removal sent to XXXX  and Experian, the letter from the bankruptcy court, and their removal for non-compliance

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 2020-09-25 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
Hello, my name is XXXX. To whom this may concern. TransUnion and XXXX  deleted some items off my credit report and decided to put them back onto my credit report. Which is against the law by the Credit Fair Reporting Act. I just want your help with ensuring they delete these items back off my credit report and to never place back on my credit report. 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 2020-09-25 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: CA

Complaint narrative:
XXXX of this year I filed disputes with the credit bureaus and yet to this day have a received anything from them. This is holding up my processes of repairing my credit and I feel this isnt right. I know the law said they must reply within 30 days it has been longer and this should not be allowed no matter what going on.

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 2020-09-25 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XXXX of this year I filed disputes with the credit bureaus and yet to this day have a received anything from them. This is holding up my processes of repairing my credit and I feel this isnt right. I know the law said they must reply within 30 days it has been longer and this should not be allowed no matter what going on.

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 2020-09-25 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: EQUIFAX, INC.
State: HI

Complaint narrative:
I am a victim of Identity theft, someone obtained my SSN, DOB, and opened two bank accounts in my name at my bank, but used a New York address which " red flagged '' the XXXX XXXX XXXX  Fraud Dept [ XXXX ], they called and I advised them it was not me so they closed the accounts. I contacted Hawaii Police Department and filed a report and openned an account with the Federal Trade Commission and followed their Identity Theft Guidelines. Which was to do Fraud Alerts and Account Freezes with the 3 Credit Bureaus. I contacted XXXX  and they were helpful : they put a instant fraud alert which they said they send to Equifax and XXXX, and  XXXX  froze my account with them, but said I have to also freeze my accounts at the other two credit agencies separately. I froze my account at XXXX  as well they confirmed the Fraud Alert. Then I opened an account with Equifax, on line and submitted all my information, had a password etc ; requested a Fraud Alert : ( 1 ) they said no immediate fraud alerts only the 7 year " write-in mail '' fraud alert ; ( 2 ) I am doing that ; ( 3 ) I tried to do an account freeze and instead Eqxuifax cancelled my account, refused me  access to freeze my account ; and refuse to allow me to freeze my account over the phone. Equifax is completely uncooperative with me. There is absolutely no reason I know of for Equifax to refuse me access to my account or properly deal with me over the phone I am complaining because I am an Identity theft victim, who is being victimized again by Equifax 's unreasonable cancellation of my account and refusal to deal with my phone calls after I identify myself, give them my ID, then ask me numerous questions about my alleged financial activities, which I would have to have all my records in front of me to even be able to answer. It is completely ridiculous. Why is Equifax refusing me access to my own account? There is something wrong, but they refuse to deal with me over my own accounts. I need the government regulators to investigate why they are refusing me online access to my own credit accounts when I give them all my personal information, email, password etc. It is very suspicious to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-25 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: MO

Complaint narrative:
Portfolio Recovery was included in Bankruptcy back in 2013 and has falsely reported on my credit as being a open collection. I've called them and contacted all credit companies to dispute for 3yrs. At one point it was deleted but has returned.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
i was denied an apartment because of wrong information reported on my transunion report and XXXX credit report, incorrect info is i was evicted not true XXXX second incorrect information is that i owe the XXXX XXXX XXXX and XXXX i spoke with the credit agency XXXX XXXX  and they stated i owe nothing i noticed that they have a disorderly conduct that happened back in XXXX, this is past the 7 year mark They have on both reports that i work for XXXX  and thats a previous report, all this wrong information on my credit report kept me denied for housing and this is not fair at all.. 

i have reached out to transunion and XXXX  three times starting XX/XX/XXXX and until this day this has not been corrected ...

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 2020-09-25 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Allied Collection Services, Inc. (Nevada)
State: CA

Complaint narrative:
I was alerted by my XXXX credit monitoring service that I had an account in collections with Allied Collection Services ( from a XXXX account ). I took the appropriate action, filed a police report with XXXX XXXX and an FTC Identity Theft Affadavit and submitted to all the credit bureaus. XXXX and XXXX immediately removed the account from my profile, however, XXXX has refused to remove it. After my 3rd phone call to XXXX in the last 6 weeks, I was advised by a  supervisor named XXXX XXXX, to file a report against the debt collector company through the CFPB as well.

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 2020-09-25 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: CURO Intermediate Holdings
State: OH

Complaint narrative:
ALLOW ME TO BE CLEAR. I FILED A COMPLAINT WITH THE FCC. WHO SENT ME TO THE FTC. I FILED A COMPLAINT WITH THE FTC WHO HAVE NOW SENT ME TO CFPB. I CAN NOT FIND ANY AGENCY THAT ACCEPTS RESPONSIBILITY FOR THE LAWS THAT HAVE BEEN BROKEN. YET EVERYONE CONTINUES TO GET PAID JUST TO GATHER INFORMATION TO BE PUT IN A DATA BASE. THE COMPANY : SPEEDY CASH/RAPID CASH CURO HAS CALLED ME A TOTAL OF 76 TIMES. I ASKED THEM TO STOP CALLING ME ON XX/XX/2020 AND THEY CALLED 32 ADDITIONAL TIME AFTER THAT DATE. I ALSO FILED A COMPLAINT WITH THE XXXX XXXX XXXX. I HAVE NEVER HEARd OF THIS COMPANY. HAVE NEVER  DONE ANY SORT OF BUSINESS WITH THIS COMPANY. NEVER OBTAINED ANY SORT OF LOAN WITH THIS COMPANY. THEY NOW SAY THAT THEY CONTINUED TO CALL ME BECAUSE THEY THOUGHT THAT I WAS RELATED TO ONE OF THEIR CUSTOMERS THAT OWE THEM MONEY. WHAT ARE THEY LOAN SHARKS. XXXX? ALSO I WAS PROVIDED A COPY OF A LOAN AGREEMENT WHERE THEY REDACTED THE CUSTOMERS NAME AND LOAN NUMBER. I ALSO HAVE A DETAILED INCOMING PHONE CALL REPORT FROM MY TELEPHONE CARRIER CARRIER THAT SHOWS ALL INCOMING CALLS WERE FROM SPEEDY CASH/RAPID CASH CURO. ALL OF THIS BREAKS EVERY LAW THERE IS. TELECOMMUNICATION. PEACE. FAIR DEBT. ( I HAVE NOW NOR NEVER HAD ANY DEBT WITH THEM ) HARASSMENT ) I WANT SOMETHING DONE IMMEDIATELY. AND WITH OUT FAIL. I WANT TO BE CONTACTED. AND WHAT EVER INFORMATION IS NEEDED TO SUPPORT THIS COMPLAINT, PLEASE REQUEST IT FROM ME IMMEDIATELY. AS THIS IS JUST A SUMMARY OF THE ACTIONS OF THIS COMPANY. THEY CALLED ME 76 TIMES. AND A  CUSTOMER SERVICE REPRESENTATIVE TOLD ME THAT I WOULD HAVE TO PROVE THAT I WAS NOT A CUSTOMER OF THEIRS FOR THEM TO STOP CALLING ME. ( XXXX XXXX ) WHEN I TOLD HER THEY WERE BREAKING THE LAW SHE THEN SAID : " WE KNOW THE LAW ''

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: NY

Complaint narrative:
Select Portfolio Servicing Inc, is my mortgage lender. On XX/XX/2020 I got infected with XXXX XXXXXXXX in one of the buildings that I was XXXX XXXX, due to the severe XXXX my both XXXX were affected and just 3 weeks ago my XXXX discharged me. I lost my job, I contacted SPS beginning on XXXX and reported my conditions they told me that they will help with the deferral plan approved by the government but I have to call on beginning of each month during my sickness. When I called in XXXX they told me that I will start paying on XXXX, but I told them that I lost my job and still under XXXX XXXX, So I sent a letter to explaining the new banking law Section X-9 which support to the NYS residents and states that those monthly payments will be deferred until 6 months meaning XXXX, XXXX, XXXX ( done ) and XXXX, XXXX & XXXX ( pending ), but they sent me a letter on XXXX XXXX stating that those months + one more I dont know WHY will be in a balloon payment of {$12000.00} ( 4 months ) due on XX/XX/2020 which means I will star paying my regular payment plus this balloon and if I cant pay I will be in collection. After this, I sent another letter inquiring those questions and asking for a clarification, but they sent me a letter stating that they will answer in 30 Days but never happened. 
Today XX/XX/2020 nothing has been resolved, I am looking for a new job and hopefully I can start paying my mortgage.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I have spoken to JP Morgan Chase numerous times. They gave me a loan modification and I still can not pay because the payments are more than I receive from social security. My home is currently for sale and when it sells I will pay off the loan. Calling me and sending letters and emails does nothing but continue with their constant harassment. This behavior is why people dislike Chase bank. If this continues I will have to change my phone number.

Company response to consumer: Closed with explanation