vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-12-02 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: Social Finance, Inc.
State: KY

Complaint narrative:
Someone set up a fake line of credit with SOFI Lending Corp. That person hacked my checking account with XXXX Bank XXXX I saw the fraudulent charges and notified XXXX. They reimbursed my account but fraudulent charges kept happening so I had XXXX close my account. 

I then discovered that my credit report was damaged. I contacted SOFI and filed a fraud complaint with them. They told me they determined it was fraudulent. I have since sent them all the info they requested so my credit could be cleared up including a police report, copy of my drivers license, etc. 

SOFI has not cleared up my credit yet. I have checked with the major credit reporting companies. I need help correcting the problem that SOFI caused by allowing someone other then me to take out an account under my identity. SOFI shows a past due on my credit report of over {$20000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: The Bureaus, Inc.
State: IL

Complaint narrative:
The Bureaus Inc continues to violate federal and state laws pertaining to debt collection agencies. The Bureaus Inc can not and have not gave me proof of their claim that I owe them. They continue to create and attach documents which doesn't bare my signature and statements which doesn't contain my correct address. I have sent several letters to the alleged collection agency and they refuse to terminate all collection efforts. The Bureaus Inc is not licensed as a collection agency in the State of Illinois with the Illinois Department of XXXX XXXX XXXX XXXX which goes against state law, however they continue to unlawfully try to collect alleged debts. I am requesting the Consumer Financial Protection Bureau investigate into this fraudulent company and their deceptive practices and willful and negligent noncompliance with state and federal laws. 
Please find screen recording attached of me trying to search for The Bureaus, Inc collection agency license in the Illinois Department of XXXX XXXX XXXX XXXX database and no such license populated. ( I tried searching different variations of their name )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc.
State: WI

Complaint narrative:
Commenity bank calls my phone all day everyday filling up my voice-mail with the same spam message. I'm sick of them calling non stop!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-02 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: CITIBANK, N.A.
State: TX

Complaint narrative:
Issue : Citi Bank Used a " hard Inquiry that was reported '' to my credit report. 

The phone interest form specified " clicking continue will not impact my credit score '' however it still pulled a hard credit inquiry to define my eligibility for the personal loan promotion. 

Hi, XXXX. Thank you for your interest in a Citi XXXX XXXX. At this time, we're unable to approve your application ( Reference # XXXX ). You'll receive another communication within 10 days with more explanation about the reason ( s ) for our decision. 


XXXX Bank notified me of the hard inquiry used per below credit monitoring alert : New Inquiry CITIBANK, NA An inquiry is a record of someone checking your credit information. This usually happens when you apply for a new line of credit.

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 2021-12-02 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
On XX/XX/, 2021, PayPal Inc. made an arbitrary and unilateral decision that I had violated their user agreement. They froze my business account and withheld all of the money within it for XXXX  days, totaling {$1200.00}. I have tried multiple attempts to appeal their decision ( my product does not violate their user agreement, and I have evidence and documentation backing up the nature of my product, hence why it was an " arbitrary '' decision on their behalf ), but my emails are never responded to other than boilerplate text without any substantive information. I have tried calling multiple times and told it is not an appealable decision. The XXXX  days of account freeze was over on XX/XX/XXXX, and I expected a check to be sent with my remaining funds. Instead, PayPal decided to keep my money and will not tell me why. All phone calls end with " Sorry, we can't tell you any information, nor can you appeal, we're keeping your money. '' They essentially stole from my legal business without recourse, and now I turn to you for help. It is a small amount, but makes a difference when that is what I rely on to survive. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-02 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Getting a loan or lease — Problem with a trade-in
Company: Volvo Car Financial Services U.S., LLC
State: CA

Complaint narrative:
This complaint is specific to Volvo Financial Leases. When leasing a XXXX or newer Volvo via Volvo Financial you are essentially trapped in the lease meaning they have added a clause that you can not trade it in at non Volvo dealer, can not sell to a third party, can not even transfer the lease to another consumer. I have leased vehicles previously and when I was done I simply traded it in, paid the balance ( if any ) and moved on. I have also been advised by XXXX Volvo dealerships that even the Volvo dealers are not allowed to purchase the vehicle or they could face significant fines from Volvo financial. The only way to leave the lease is for me to buy out the vehicle completely which does not make sense. 
I am certain this is written in the lease but definitely something I feel they snuck in post XXXX and shame on me for not reading every detail of the lease contract.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-02 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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: OK

Complaint narrative:
Since XXXX I have been battling against XXXX where I got my student loans from. When I was included in the recent lawsuit against them and applied to have my student loans discharged due to XXXX being a fraud school. I was approved for the discharge XX/XX/2021. Thats 8 years of loans I had to work on paying back for a fraud school. I reached out to Experian filed a dispute when I noticed my student loans were still on my credit. I got the notice today that they have been removed completely not showing any payment history and drop my score XXXX points!!! All payment history gone and XXXX POINTS GONE. Ive worked hard to get my score up. XXXX and XXXX didnt take that much. If I wouldve known that then just put it back on my credit or at least show payments. XXXX points is a huge hit.

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 2021-12-02 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 — Investigation took more than 30 days
Company: Affirm Holdings, Inc
State: GA

Complaint narrative:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
My grandmother passed away last year and her bank sent her a new credit card. But we never got it and received a phone call stating someone spent over {$1000.00} in XXXX or XXXX. They want us to pay the bill for a fraudulent charge on a credit card that was stolen that we reported. Which to this day we are still getting billed

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-02 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Solar Mosaic LLC
State: CO

Complaint narrative:
I have been sending all of my payments through my electronic account via XXXX XXXX to Solar Mosaic Loan Services since the beginning of our loan in XX/XX/XXXX. 

They sent a report of a missed payment to the credit bureaus for XX/XX/XXXX. I did make my payment in XXXX to the XXXX XXXX office on XX/XX/XXXX ( and should have arrived by XX/XX/XXXX ) as we have done the entire time of the loan. I spoke with a Solar Mosaic representative in early XXXX as they called to tell me the payment had not been received. The money had already been taken out of our account to pay the XXXX payment and the representative said it could be delayed from the home office as the billing address has changed from XXXX XXXX, CA to XXXX, AZ. 

It wasn't until XX/XX/XXXX that we received our XXXX check payment of {$360.00} returned to our bank account and not until XX/XX/XXXX that we received the XXXX payment of {$360.00} returned from Solar Mosaic, at which we promptly brought the account current when we learned of the refunded money. This is clearly not within the 30 day grace period and should have never been reported to the credit bureaus for XXXX. We were never contacted that the payment was not being accepted or returned. I happened to look at my bank account when I realized there was more money than I expected. 

Included in this packet are two of the last payments that were accepted via XXXX XXXX to the XXXX XXXX office. As well as the pictures of our bank account proving we made the payment for XXXX, XXXX and demonstrating that those payments were returned by Solar Mosaic. 

We believe these are unfair business practices under the Fair Credit Reporting Act and this is directly affecting our credit score and our ability to secure a loan for a new home. We are asking that this be corrected on our credit score immediately. I have already requested this from Solar Mosaic and this was their response on XX/XX/XXXX : Thank you for contacting Mosaic, We understand you did send the payments, however, as we did not received them on time your account became delinquent, as such, we are unable to change the credit report we sent as we are obligated to report the accurate information. 

If you have any questions, please contact Mosaic Loan Servicing at ( XXXX ) XXXX? 
Our account is current and we have been outstanding customers through the life of the loan. 
Please call me as soon as possible at XXXX so that we can discuss this issue and determine the best way to resolve this. Thanks for your time and for working with us to create a positive outcome for this situation. 

Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
Citi is saying that I was 30 days, but I was never late.

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 2021-12-02 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: IL

Complaint narrative:
XX/XX/XXXX XX/XX/XXXXXX/XX/XXXX, i have sent certified letters to XXXX asking to have fraudulent inquires removed to no avail. i requested proof of signature giving permission to pull my credit no one has supplied that nor has the creditor. they still continue to report them. i have sent several complaints

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 2021-12-02 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: OneMain Finance Corporation
State: TX

Complaint narrative:
OnXX/XX/XXXX One Main associate by the name of XXXX XXXX faxed my job information about the loan that is in my name at their company. The information was sent on One Main 's company letterhead. In XX/XX/XXXX, XXXX XXXX searched up an associate that works at the company that I was working for at that time information up on the XXXX contact list and provided them with information about the same account that is listed in my name. Although this happened in XXXX I was just provided with this information a few weeks ago. This situation at minimum is an extreme case of 3rd party disclosure which is at least an FDCPA violation. The investigation that XXXX XXXX started caused me to get terminated from my job that I was at for XXXX years.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: U.S. BANCORP
State: CA

Complaint narrative:
So Ive been trying to open a bank account, most banks told me that they require a proof of address which was holding me back because I live with my parents. Us Bank told me that I didnt need one to open an account. That was until I opened an account and cashed my payroll check. I was told I would get XXXX $ of the check instantly, and the rest would clear in 5 days, they gave me a temporary card and I thought I was satisfied with my experience at us bank. That was until about 24 hours went by and they put a hold on my account, apparently I need a proof of address, that was never once disclosed to me in person. I was told after they had my money. So far no one at the us bank branch in XXXX has been able to help at all .theyre just holding my money hostage after lying to me. It obvious that this is a scam they run often because they wont send me anything about the hold on my account, they only tell me in person.

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 2021-12-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I have sent several notices over the past year or two to the three main credit bureaus ( XXXX, XXXX, AND TRANSUNION ) to dispute information on my report that should not be on there as well as advise them that they are in violation of many federal laws with the way they have been handling my credit profile. 

First of all, i have not given these companies any authorization to utilize or distribute my personal identification documents or authentication features. It is a violation to obtain my personal data and report information attached to said documents without my consent. 

There have been multiple inaccuracies across all three bureaus on most of the accounts they are reporting on. From account opening/closing dates, balance amounts, status of the account, payments made.. etc. Neither company has consistent information reporting and i requested that they validate all the information and authenticity of the accounts that they are reporting on. But they have not supplied any detailed information about whats going or the source of their information. These accounts need to be removed from my report immediately since they are not doing their due diligence to validate and certify that the information they are reporting on is true. 

They have also allowed fraudulent collection agencies to report on my account as well and refused to properly verify and validate the information being reported. 
Its seems like any company can just obtain my social security number and name, pay them some money, and they can start reporting on my account even though no debt is owed to them and i have no knowledge of said company or any agreement with them. 
This is a violation and is fraudulent. 

The inaccuracies of these reports have caused a lot of damages to me mentally and physically and limit my ability to prosper in life. 
As a consumer, i have rights and protections under the law and these companies need to be held accountable for the many violations they are committing. 

I want these issues looked into and handled immediately.

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 2021-12-02 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I have sent several notices over the past year or two to the three main credit bureaus ( XXXX, EQUIFAX, AND XXXX ) to dispute information on my report that should not be on there as well as advise them that they are in violation of many federal laws with the way they have been handling my credit profile. 

First of all, i have not given these companies any authorization to utilize or distribute my personal identification documents or authentication features. It is a violation to obtain my personal data and report information attached to said documents without my consent. 

There have been multiple inaccuracies across all three bureaus on most of the accounts they are reporting on. From account opening/closing dates, balance amounts, status of the account, payments made.. etc. Neither company has consistent information reporting and i requested that they validate all the information and authenticity of the accounts that they are reporting on. But they have not supplied any detailed information about whats going or the source of their information. These accounts need to be removed from my report immediately since they are not doing their due diligence to validate and certify that the information they are reporting on is true. 

They have also allowed fraudulent collection agencies to report on my account as well and refused to properly verify and validate the information being reported. 
Its seems like any company can just obtain my social security number and name, pay them some money, and they can start reporting on my account even though no debt is owed to them and i have no knowledge of said company or any agreement with them. 
This is a violation and is fraudulent. 

The inaccuracies of these reports have caused a lot of damages to me mentally and physically and limit my ability to prosper in life. 
As a consumer, i have rights and protections under the law and these companies need to be held accountable for the many violations they are committing. 

I want these issues looked into and handled immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-02 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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I AM A VICTIM OF ID THEFT. I STARTED AN INVESTIGATION AND THE CREDIT BUREAUS MISTAKENLY PUT THE WRONG ACCOUNTS UNDER DISPUTE. I DISPUTED : XXXX XXXX OPENED : XX/XX/XXXX XXXX. XXXX XXXX XXXX  OPENED : XX/XX/XXXX XXXX AS YOU CAN SEE ON MY FTC REPORT, I DID NOT DSPUTE THE OTHER ACCOUNTS. THEY DELETED ACCOUNTS THAT BELONGS TO 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 non-monetary relief
Consumer complaint received 2021-12-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA

Complaint narrative:
They keep asking for the same documents already provided and waffling between complete and incomplete borrower response package in what feels like an deliberate effort to avoid regulatory deadlines. 
I have been making payments since XXXX 2021 and working to get a answer to the end of a pandemic forbearance.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-02 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Javitch, Block & Rathbone LLC
State: IN

Complaint narrative:
I got served by Javitch Block LLC on XXXX, XXXX, 2021 for something that doesn't even appear on my credit report. They are saying I can make payments on it monthly or pay a lump sum. I have no way to see how much I owe or anything, I only have what they are verbally telling me and I don't feel comfortable with it. I feel like I am being treated very poorly. I have tried to work with them but they are not willing to negotiate at all and the payments they want are too high for me to afford. Like I said before, it doesn't even appear on my credit report so I am not even sure if I owe it.

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