vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-04-26 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: IL

Complaint narrative:
Experian has collection accounts listed as installment loans on my credit report. Experian has also placed some type of alert on my report without my permission. I'm also unable to order a copy of my report. I am being turned down for credit because of this and am unable to reach anyone at experian. I've tried email, phone and chat for over seven months. I can not even verify any of my information and it appears accounts are re-aging.

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 2021-04-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
Hello, My name is XXXX XXXX. I am writing this to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that these items be deleted in order to correct my credit report. I reported the theft of my identity to the Federal Trade Commission. I have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. These accounts are causing me to be denied by credit card companies. Please delete these items as soon as possible. 
Thank You.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-26 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: CCS Financial Services, Inc.
State: IL

Complaint narrative:
NEITHER XXXX, XXXX  OR XXXX  have my consent to use my private intellectual property for their commercial use, they are guilty of consumer fraud, identity theft and possibly tax evasion. they have been asked to remove all bankruptcies being reported unless they can provide undeniable proof that investigation was done and that the bankruptcy court gave them accurate and verifiable information, which they did not. 
I have asked the bureaus to cease and desist from reporting any score that will make their score for me drop that is damaging to our name and reputation.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-26 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: Consumer Portfolio Services, Inc.
State: IL

Complaint narrative:
NEITHER XXXX, XXXX  OR XXXX  have my consent to use my private intellectual property for their commercial use, they are guilty of consumer fraud, identity theft and possibly tax evasion. they have been asked to remove all bankruptcies being reported unless they can provide undeniable proof that investigation was done and that the bankruptcy court gave them accurate and verifiable information, which they did not. 
I have asked the bureaus to cease and desist from reporting any score that will make their score for me drop that is damaging to our name and reputation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I did not consent to, authorize nor benefit, from any of the following inquiries. Block and remove the following that's on my 604 letters.

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 2021-04-26 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: FL

Complaint narrative:
Mr. Cooper processed {$7000.00} in mortgage payments from my bank account without permission.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-26 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: FL

Complaint narrative:
Im sent multiple ftc reports and 605b letters to XXXX  Transuion XXXX XXXX. They refused to block information from my report. All of the following items are a result in fraud. 
1. XXXX  XXXX  at XXXX  XXXX {$3700.00} 2.XXXX  XXXX  XXXX  3 . XXXX  XXXX XXXX  ( XXXX  XXXX  XXXX ) {$21000.00} 4. XXXX XXXX  XXXX  XXXX ( XXXX  XXXX  XXXX  XXXX  ) {$240.00} All Done Fraudulently!! Name & Address The following Name XXXX  XXXX  Address XXXX  XXXX  XXXX  XXXX  XXXX  XXXX  XXXX  XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-26 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: IL

Complaint narrative:
My paypal account is XXXX I transferred {$1400.00} out of paypal to my personal checking account. 

The money appeared in my personal checking account briefly, but then there was a paypal transaction that took the money back. 

However, the money was never posted back to my paypal account. It is neither in my checking account nor in my paypal account. 

Paypal activity summaries are worthless garbage. They do not use a double-entry accounting system. It is EXTREMELY difficult to decipher their activity summaries. I believe this is by design. 

Please cause them to post {$1400.00} back to my paypal account and apologize for their extreme incompetence. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-26 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: TX

Complaint narrative:
Im submitting this complaint against XXXX, Equifax, and XXXX  due to their total disregard for my consumer rights under the FCRA/FCBA/FDCPA. For several months now, I've been disputing inaccurate and unverifiable information showing up on my credit report by this company. I have requested intimate information about the alleged accounts, including a copy of an agreement with my signature on it, but I have yet to receive anything. These companies continue to electronically verify these " ghost '' accounts without providing any legally binding evidence, such as a signed contract and complete accounting of the record, as required by law. They're clearly lying and thus the reason Im asking for proof. However, these companies refuse to provide it, which is not right and is not compliant with the FCRA/FDCPA. Im absolutely fed up. My life has been in complete ruin as a result of this. It's causing enormous mental and financial distress, preventing me from getting approved from credit that I am rightfully entitled to, and not to mention the ample amount of time that I must take out to try and resolve this matter myself. This has brought a great deal of harm to my family as a whole as well. Ive just had enough! Please help! I hope to hear from you soon.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
I made.a payment of XXXX dollars to my capital one credit card on XX/XX/XXXX. The money was taken out of my bank account and has posted on both my bank account and capital one account. Capital One has put a hold on my card though until the Friday the XXXX, even though they already received my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: ALLIANT CREDIT UNION
State: OH

Complaint narrative:
Alliant Car Buying Service : XXXX XXXX XXXX  They advertise a .50 % off interest rate if a car XXXX purchase is found through their service. I found a car advertised on this website and contacted the dealer as instructed through this website. I then applied for an auto loan with Alliant Credit Union and was approved on XX/XX/21. 

The loan officer working on my application - XXXX XXXX Loan Consultant XXXX p : XXXX f : XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX NMLS : XXXX I inquired about the XXXX interest rate deduction with him with the following verbiage : ( To XXXX  : ) " I found the car through the Alliant/True Car buying service and it stated I would receive a XXXX50 discount in rate if I found my car through that service. Is that included? '' - This was sent on XX/XX/21. 

I received a response : " To receive the XXXX XXXX rate reduction you need to upload the certificate showing the dealers name and address, your name and Alliants name on the document. '' Received XX/XX/21 I replied on XX/XX/21 with the following message. 
" What type of certificate do I need to provide? Does it have a name so that I can request from dealer? '' I had no idea how to obtain the requested certificate. There were no instructions nor any assistance through the car buying process that I could find assistance with this certificate. 

I never received a response from XXXX regarding this question. 
At no point did he state I needed to provide this documentation prior to loan funding. 

Without a response, I sent a follow-up email to XXXX on XX/XX/21 : " Can you please advise specifically what you need to give me the .5 interest rate deduction for purchasing through Alliants car buying program. '' I received a response from him on XX/XX/21 stating : " You would have needed to upload the certificate from our web site before the deal funded. Since the deal has funded we can no longer accept the certificate. '' No where was this communicated to me. My additional follow-up attempts were all ignored. 

I was not given an opportunity to receive the promoted rate, nor was I treated fairly in regards to receiving all information I requested. I would like to issue this formal complaint against Alliant Credit Union for their unwillingness to honor an advertised rate given the fact that I met requirements to receive it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-26 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: IL

Complaint narrative:
In XX/XX/XXXX I reviewed my statement and discovered that several thousands of dollars in fees had accumulated in a separate balance on my mortgage account. Those fees were not reflected in my outstanding balance so I never noticed they were present until I checked my statement. After reviewing the fees, I discovered that I was being billed for electricity and several property inspection fees as if my home was in foreclosure, but my account was current and a tenant lived on the premises. An investigation revealed the mortgage company, which at this time was Ocwen, called my electricity servicer, XXXX XXXX XXXX XXXX and XXXX, removed my tenant 's name from the electricity bill, and billed me for those fees. Those fees accumulated in this separate balance for several years dating back to XXXX. I also discovered that I was billed property inspection fees, trip charges, etc. The current mortgage servicer, PHH Mortgage, has refunded some of the utility fees dating back to XX/XX/XXXX, but I have disputed an additional two years of fees. This dispute has been ongoing since XX/XX/XXXX and PHH mortgage has been very slow in remedying the issue. The mortgage company had no right to intervene in my affairs.

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 2021-04-26 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: LEXISNEXIS
State: MO

Complaint narrative:
On XX/XX/2021 1st letter, and 2nd Letter on XX/XX/2021. I mailed a letter to XXXX, XXXX, and XXXX and Lexis Nexis about the Bankruptcy that's reporting on my Consumer Report about the inaccurate and inconsistencies that's on my Consumer Report. I sent a Demand to Comply and that was my 2nd notice to the bureaus. Today is XX/XX/2021 so that's over 70 days. I don't understand why I haven't received any letters in reference to my Letter. This is unacceptable and against my consumer rights. Since this has been over 30 days and outside of the allowed time for a response and they never put a notice of Dispute on my Consumer Report this Bankruptcy must be removed because of 4 of the Bureaus are in Violation of my Consumer Rights. Please remove/delete this Bankruptcy from my Consumer Profile. It's time to hold these Bureaus responsible for their errors and violations to Consumer Profiles.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-26 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: CAINE & WEINER COMPANY, INC.
State: MD

Complaint narrative:
In XX/XX/XXXX I filed XXXX bankruptcy. My bankruptcy was discharged in XX/XX/XXXX. From XXXX to XX/XX/XXXX I have been receiving emails from a Caine and Weiner representative named XXXX XXXX offering me to settle a debt from Progressive Insurance. I thought I may have missed the opportunity to include it on my bankruptcy so on XXXX I paid the XXXX to Caine and Weiner via XXXX a link that was included in the email. 
After my payment, I went back and looked at my petition and noticed Caine and Weiner had in fact been included and the debt had been discharged as of XXXX I immediately called Caine and Winer and have since been given the run around. 
Today, for the third time. I spoke to a " manager '' named XXXX XXXX. He informed me Caine and Weiner would not be issuing me a refund. No reason was given.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-26 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: TX

Complaint narrative:
I had a home loan serviced with XXXX and I received notice from them on XX/XX/XXXX that when I made my payment on XX/XX/XXXX it would be my last engagement with them. This effective XX/XX/XXXX, my new servicer would be Freedom Mortgage company. Freedom Mortgage company did not provide any documentation to this loan and they raised my mortgage payment with no notice. I have submitted SEVERAL email request and phone calls to resolve this issue and all of my request have gone unreturned. I know they are required by law to not only provide notice but to provide documentation which they don't seem to care to do. Not to mention they provided me no documentation of this new loan agreement until I threatened to report them. It's as if they are looking for people to default on their loans and they should be fined and investigated for their unprofessional and unsavory practices.

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 2021-04-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: STATE EMPLOYEES CREDIT UNION
State: NC

Complaint narrative:
I received a text this morning from # XXXX stating they were SECU ( my bank ) and that they were alerting me to an unauthorized charge for my card ending in XXXX. They informed me to call XXXX to discuss with an agent. When you call the number you are provided with the exact greeting you get when you call SECU. An individual answered the call and asked me for my card number so he could look up the charges. I hung up and then looked on my banking website. There were a total of about 20 charged ( some attempted at {$0.00} ) starting late XX/XX/21 into XX/XX/21. Just wanted to pass this information along since it was unnerving how much the prompting sounded exactly like the real thing! I have contacted my bank directly to inform them of this. 

Thank you, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-26 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: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
On XX/XX/21 I went to www.chase.com/prequalified to see if I qualified for the Chase Ink Card. The site specifically says that " the process of checking to see if I have an offer will not affect my credit score. '' ( Please see attachment ) I followed the prompts and my credit was pulled lowering my score on XXXX and XXXX by 8pts ( please see attachment ). I attempted to call Chase to get this matter resolved and was initially told that the URL I was referring to didn't exist. When I finally directed them to the specific URL on their website they then told me that I misunderstood the process. I notified them that I had successfully done the process on their website a month prior when I was approved for another card and that I was in fact very familiar with the process. At this point, they said they were going to forward me to a supervisor but instead sent me to a fax line. This has had a detrimental impact on my credit and I want the inquiry removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: JPMORGAN CHASE & CO.
State: SC

Complaint narrative:
Last Sunday I checked my account and saw that I had been overdrafted by {$230.00} this was the amount chase removed from my account due to government overdraft assistance. I dont make a lot of money but I am also a credit card manager at a big bank so I know enough. I was given no forewarning as I calculate my bills and pay according to what I have on my account I had gotten paid on Friday, set up my bills to be paid on Friday and on Sunday I had this surprise withdrawal hit my account. I called chase they said they cant do anything about it. I dont get paid till next Friday they refused to freeze additional overdraft fees. Ive been a 15 year customer with Chase and the e going to treat me this way when I told them I strigggled with the pandemic caring for my elderly parents? This is CRIMINAL. How can we trust our big banking institutions when they rob us and treat us this way. If I knew I was going to be charged over 25 % of my paycheck I would not have paid my bills as aggressively as I did. Please help me get justice and restore faith that a government body can in fact protect its citizen against predatory practices. Thank you so much for your assistance. XXXX bless!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-04-26 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: TX

Complaint narrative:
Im submitting this complaint against XXXX, Equifax, and XXXX due to their total disregard for my consumer rights under the FCRA/FCBA/FDCPA. For several months now, I've been disputing inaccurate and unverifiable information showing up on my credit report by this company. I have requested intimate information about the alleged accounts, including a copy of an agreement with my signature on it, but I have yet to receive anything. These companies continue to electronically verify these " ghost '' accounts without providing any legally binding evidence, such as a signed contract and complete accounting of the record, as required by law. They're clearly lying and thus the reason Im asking for proof. However, these companies refuse to provide it, which is not right and is not compliant with the FCRA/FDCPA. Im absolutely fed up. My life has been in complete ruin as a result of this. It's causing enormous mental and financial distress, preventing me from getting approved from credit that I am rightfully entitled to, and not to mention the ample amount of time that I must take out to try and resolve this matter myself. This has brought a great deal of harm to my family as a whole as well. Ive just had enough! Please help! I hope to hear from you soon.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-26 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: CA

Complaint narrative:
I disputed to have a three bankruptcies removed from my credit report. The third party verifier stated in writing that they could not verify the information and removed it from their files. The credit reporting agencies continue to state verify as accurate even after I sent them a copy of the letter.

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