vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-02-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
My problem is not that the original issue was not accurate, my problem is that the reporting agencies ( XXXX, Transunion, etc. ) tend to keep issues on the credit report longer than is necessary. While for Bankruptcy, it does indicate 7-10 years, I find it significantly detrimental to the individual that negative public records are not removed at the earliest convenience, particularly if, in fact, the idea is to improve the financial welfare of not only the individual but the country as a whole after having " served our sentence ''. By keeping these negatives, they are punishing, not reporting.

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 2021-02-19 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
My problem is not that the original issue was not accurate, my problem is that the reporting agencies ( Equifax, XXXX, etc. ) tend to keep issues on the credit report longer than is necessary. While for Bankruptcy, it does indicate 7-10 years, I find it significantly detrimental to the individual that negative public records are not removed at the earliest convenience, particularly if, in fact, the idea is to improve the financial welfare of not only the individual but the country as a whole after having " served our sentence ''. By keeping these negatives, they are punishing, not reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-19 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: CITIBANK, N.A.
State: CA

Complaint narrative:
On XX/XX/XXXX and XX/XX/XXXX CBNA add a hard inquiry on my credit reports. 

But company did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiry.

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.

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 2021-02-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I have called the company and explained that my card is active but they are reporting it twice. One shows open and one shows closed. The account has also been given to collections. The card is open and current and they wont do anything to get the negative report off my credit report. I even submitted a complaint through transunion and and nothing happened. My XXXX  XXXX CREDIT CARD IS OPEN AND CURRENT WHY DO THEY HAVE THE RIGHT TO REPIRT IT AS CLOSED AND SEND IT TO COLLECTIONS.

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 2021-02-19 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
I have called the company and explained that my card is active but they are reporting it twice. One shows open and one shows closed. The account has also been given to collections. The card is open and current and they wont do anything to get the negative report off my credit report. I even submitted a complaint through XXXX  and and nothing happened. My XXXX XXXXXXXX CREDIT CARD IS OPEN AND CURRENT WHY DO THEY HAVE THE RIGHT TO REPIRT IT AS CLOSED AND SEND IT TO COLLECTIONS.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-19 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: NJ

Complaint narrative:
I have called the company and explained that my card is active but they are reporting it twice. One shows open and one shows closed. The account has also been given to collections. The card is open and current and they wont do anything to get the negative report off my credit report. I even submitted a complaint through XXXX and and nothing happened. My XXXX XXXXXXXX CREDIT CARD IS OPEN AND CURRENT WHY DO THEY HAVE THE RIGHT TO REPIRT IT AS CLOSED AND SEND IT TO COLLECTIONS.

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 2021-02-19 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

Complaint narrative:
PayPal closed my account for no reason at all when I am using it for my business and i make transactions through goods and services. It must be a mistake as i confirmed i am over XXXX as they asked sent the tracking info and invoice and they still closed it without reason. I feel they are not actually checking the info at all as this has happened with many people before. The email linked to my PayPal is XXXX. Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-19 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: TN

Complaint narrative:
There was a total of {$200.00} deposit to my cash app. The cash app showed a total of {$150.00}. I dispute the amount before any withdrawal was taken from the {$150.00}. They continue to address the {$150.00} and the transfers made. I have disputed on several occasions the inaccuracy of the amount. I am requesting {$46.00} be returned to my account. Cash app continues to close the complaint without rectifying their error. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-19 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: Atlanticus Services Corporation
State: FL

Complaint narrative:
On or about XX/XX/2021 I lost my Fortiva Credit Card while at XXXX, I contacted the Credit Card Company and informed them of the loss at which point they asked if I had made a recent charge in the amount of {$770.00} at which point I informed them that I had not. I submitted a fraud form and the Credit Card Company refused to remove the charge from my card after issuing me a new card and are now trying to force me to pay for the fraudulent charges.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Velocity Portfolio Group
State: NJ

Complaint narrative:
i have tried to contact this company because they are on my credit report and trying to collect money from a credit card company that has reported mycard as active and open while also reporting the same card as closed

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 2021-02-19 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: MI

Complaint narrative:
I am requesting an EXPIDTED Dispute resolution since this is the result of XXXX 's system being hacked. This is a correction for complaint # XXXX from XX/XX/2021. The balance I provided of {$250.00} should actually be {$280.00}. The inaccurate information originated from XXXX systems being hacked and they have NOT yet corrected. I must have this corrected ASAP.

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 2021-02-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: NJ

Complaint narrative:
I have been trying to get into my account through app or browser Can not get in have reset password etc multiple times nothing works Have tried to call multiple times Can not get a human on the phone

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 2021-02-19 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: NV

Complaint narrative:
I am currently under a Covid Plan with my mortgage. I made 5 {$1000.00} and 1 {$500.00} payment. I was informed the payments would be applied towards my mortgage payment and the rest to a suspense balance. This hasnt been the case, they have applied them to late fees and elsewhere. I have contacted them over 20x and I keep getting the run around that theyll correct the payments. I lost my job and have been dealing with unemployment delays and my household was impacted by the virus itself. Please help! And my monthly payments are around {$850.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-19 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

Complaint narrative:
PayPal closed my account for no reason and will not help me with getting it back up and going. 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 2021-02-19 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: NC

Complaint narrative:
We initiated the mortgage refinancing process with 5/3 on XX/XX/XXXX. We sent the check for the loan application during this time. The communication with our loan officer and the exchange of documentation was consistent until approximately XX/XX/XXXX. 

As of XX/XX/XXXX, I had sent 3 emails to our loan officer requesting updates on our refinancing. We were finally told our mortgage application was being evaluated in detail and awaiting the initial underwriting review. On XX/XX/XXXX, we received an email that the loan was received from underwriting and with a new processor. 5/3 processing delays and internal policies required our credit report to be run AGAIN. It is common knowledge that each time a credit report is run, it then alerts others who are reviewing credit ( and can be deemed negative ). 

We received closing disclosure documents on XX/XX/XXXX. Per the email 's directions, we requested follow-up information from our loan officer ( the amount we need to bring to closing, the name that should be entered as the payee for the cashiers check, the closing date, the process for closing ). The loan officer replied that he could not " map that out '' at this point, and the title company and the banks closing department needed to review these details once the loan received full approval and finalize final figures. 

I sent follow-up emails and placed phone calls on XX/XX/XXXX, XXXX, XXXX, and XXXX. I can not get adequate support to close this loan. I paid the fee over 7 months ago, the bank has run my credit report multiple times, and each month this loan remains open is an additional month that we are paying a higher mortgage rate than the rate 5/3 agreed to guarantee us as a result of this refinancing.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-19 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XX/XX/XXXX and XX/XX/XXXX JPMCB - CARD SERVICES add a hard inquiry on my credit reports. 

But company did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiry. 
To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Total Card, Inc.
State: NJ

Complaint narrative:
i have tried to contact this company because they are on my credit report and trying to collect money from a credit card company that has reported mycard as active and open while also reporting the same card as closed

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-19 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: MI

Complaint narrative:
I am requesting an EXPIDTED Dispute resolution since this is the result of XXXX 's system being hacked. This is a correction for complaint # XXXX from XX/XX/2021. The balance I provided of {$250.00} should actually be {$280.00}. The inaccurate information originated from XXXX systems being hacked and they have NOT yet corrected. I must have this corrected ASAP.

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 2021-02-19 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: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
We call the BP Credit Card Company XX/XX/2021, we requested new cards due to the fact we lost our new cards. 
We were told ( tape recorded ), we will be sending you new credit cards in the mail for BP. 
I have had this account for over 25 years and never been late. We managed to pay off the account the first of XX/XX/2021. 
We just found out after calling for a new credit card the account was closed without any notice. 
We never received a notice in the mail on why BP card Synchrony Bank closed the account. Under Federal laws the bank must give us a 30 day notice outlining why the account has been closed. 
We understand that Synchrony Bank has retaliation against us for filing complaint regarding our XXXX account just a few months ago We have a right to know why BP Synchrony Bank closed our account after they told us they were going to issue us new cards on XX/XX/2021 ( tape recorded ). 
THIS COMPANY HAS TO SHOW CAUSE FOR why they closed our account. The account was in good standings and we have never been late for any payments. 
We are asking for a full investigation to this Banks behavior

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 2021-02-19 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: TD BANK US HOLDING COMPANY
State: AR

Complaint narrative:
THE FOLLOWING HARD PULLS ARE UNAUTHORIZED AND HAVE NO SIGNATURES ON FILE FOR ME TD AUTO FINANCE XX/XX/XXXX 2 XXXX  XXXX  XX/XX/XXXX AND XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-19 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: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
XX/XX/2019 and XX/XX/2019 AMERICAN EXPRESS add a hard inquiry on my credit reports. 

But company did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiry. 
To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-19 00:00:00
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: THE MONEY HOUSE, INC.
State: PR

Complaint narrative:
XX/XX/2020 closed a mortgage va loan processed through Moneyhouse, Since the start of the transaction Moneyhouse has been totally deceptive and dishonest.Moneyhouse through its representative XXXX XXXX used the real estate broker XXXX XXXX, to obtain sensitive financial information from me.This was at the beginning of XXXX.Would like to clarify that I only went once to Moneyhouse once at their XXXX branch.XXXX  XXXX came to my house once to see the property and at the at that time he filled the purchase agreement in which to testify to his incompetence he me sign in the buyers spot and in the realtors spot.Much to the ydiscredit of Moneyhouse this oversight was never rectified.I need from Moneyhouse a copy of all documents I have signed during the mortgage process, from the time XXXX XXXX met me in the Moneyhouse XXXX office to the closing on XXXX had spoken to XXXX XXXX via mobile phone and he attempted to transact the preliminary steps in the process.The day of the call he was sick with stomach issues, so he told me.The process overwhelmed him and we were not able to get anywhere.He told me the pandemic he doubted if any time soon he would be to continue the process at the XXXX office.XXXX XXXX got XXXX to see me shortly there after at the XXXX facility.There I signed countless documents, which I wasnt given copies of.I especially want a copy of ( no coercion statement, copy of statement were I was told the importance of a property inspection, copy of form were different services were chosen for me by Moneyhouse ) In the process the only person I had contact with and there by perhaps he can seen as chosen by.Mr.XXXX  and Moneyhouse chose all the services for me.I have had been in several mortgage transactions and I have never met with corruption and certainly at this level.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-19 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: FL

Complaint narrative:
I paid the full amount due on my account of {$1500.00}, and did not settle on the balance due. I provided a copy of my bank statement to Experian and contacted the U.S. Department of Education and the referred me back to Experian to fix the issue because they showed it as paid in full. I keep getting referred from one back to the other and this issue has been an error on my report for almost 2 years, impacting my credit score. I've followed the process and no actions haven been taken to rectify the issue. I made the payment on XX/XX/2018 for the amount of {$1500.00}. Not sure what else I can do to fix this issue, which is why I decided to file a complaint. My complaint is against Experian and the Department of Education.

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 2021-02-19 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: Consumer Portfolio Services, Inc.
State: VA

Complaint narrative:
The name of the Company is XXXX XXXX XXXX the amount they claim is owed is {$10000.00} My name is XXXX XXXX the account number only shows up on partial # XXXX my social security number is XXXX, address is XXXX XXXX XXXX XXXX Virginia XXXX Va XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-19 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: U.S. BANCORP
State: AR

Complaint narrative:
THE FOLLOWING HARD PULLS ARE UNAUTHORIZED AND HAVE NO SIGNATURES ON FILE FOR ME XXXX XXXX XXXX  XX/XX/XXXX 2 XXXX XXXX XX/XX/XXXX AND US BANK.

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 2021-02-19 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
ON XXXX XXXX i went online to purchase an XXXX  for my daughter so she could do her school work but my card was being denied so I contacted XXXX because they blocked my card because someone was using it to buy games, so wheni called the number so they couldn't unblocked my card the said they could help me, the told me to download an app so they couldn't send me a code, XXXX send me on my bank app so he approved the payment and I didn't get anything, he told me he would refund the money but nothing i contact my bank and they wouldn't help me, I call the number they use to scam me everyday and it pain my XXXX because they are still scamming innocent people please help me and other victims, The contact number for the slammer are XXXX the email for them is XXXX XXXX

Company response to consumer: Closed with explanation