vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-12-21 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: VA

Complaint narrative:
These three credit bureaus keeps adding removing updating deleting refusing to delete refusing to tell me where they get the information from and violating all type of consumer laws when it comes to my profile they tell me that they can't verify me yet they simulators telling me they've updated and verified through furnishers they still have not provided me where they got the information from. They refuse to update when the other bureaus have already removed they just keep doing whatever it is that they want causing me emotional distress I just want these items removed immediately attached is my exhibit showing the inconsistency the stall tactics and then violating laws

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
I have raised a dispute on this account and attempted to contact the company/creditors several times without success. On my credit record, this account is incorrectly reported.

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 2021-12-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
Citibank failed to open a new account in the stipulated timeframe, moreover, the account holder was notified on XXXX XX/XX/2021 that the account has been opened and a debit card and the welcome kit are on the way. New Account Application XXXX XXXX Citibank representative ( XXXX XXXX failed to justify the reason for delay when contacted after 10 days i.e. on XX/XX/2021. 

The whole tactic was played to avoid the promotion bonus mentioned below. 

https : XXXX? XXXX & XXXX & XXXX & XXXX & XXXX & XXXX Complaint Number - XXXX * above complaint number provided over the call by Citi phone agent - XXXX on XX/XX/2021.

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 2021-12-21 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: KS

Complaint narrative:
I have an account balance with PayPal of {$1100.00}. Since XX/XX/2021, I have been in almost daily communication with PayPal XXXX requesting that a check for this balance be mailed to me. The PayPal user agreement of XX/XX/2021, states that checks can be mailed subject to a fee of {$1.00} and confirmation of the customer 's address. The user agreement does not state that mailing a check is subject to the customer sharing a bank account number. Unfortunately, the PayPal website does not provide for a withdrawal of my funds without linking my PayPal account to my bank account. Most of the PayPal XXXX with whom I have spoken by phone or messaging have directly stated that the only way for me to receive a check for my account balance is to submit my bank account number. One XXXX offered an alternative way to confirm my address by re-linking a credit card. This process was complex and burdensome and in the end did not work. I have made it clear to all of the PayPal XXXX that I am not willing to share my bank account number with PayPal -- especially since the user agreement does not require it. No one has yet offered a way for me to access my funds without my giving up private information I want to protect. In addition, no one has explained why they are forcing on me a requirement that is not stipulated in the PayPal user agreement. I believe I am experiencing a rather clear case of a large company ignoring its user agreement to coerce a customer into sharing sensitive personal information against his will.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-21 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: NY

Complaint narrative:
I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. This agency is in violation of 15 USC 1692g. They were to notify me of this in writing 5 days prior, I was not notified. As the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the following accounts must be DELETED from my report 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 non-monetary relief
Consumer complaint received 2021-12-21 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: MoneyLion Inc.
State: VA

Complaint narrative:
On XX/XX/2021 moneylion allowed 5 unauthorised transactions from another bank in the amount of {$800.00} I do not know who or what the bank is I never use that bank the bank is in XXXX and moneyline told me that basically it was my fault that my online virtual banking was used I have about two disputes one on XX/XX/XXXX and the other on XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-21 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Capital One was sent a cease and desist with a list of specified remedies that is not being honored. I have confirmed they received my notice on XX/XX/2021 and I have received another statement demanding I pay for an alleged debt that does not belong to me. It has been well over 30 days and I still have not received the requested audit trail of the alleged debt. This is a direct violation of my federally protected rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-21 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: NV

Complaint narrative:
XXXX XXXX is incorrectly reporting a late 30 days. my payments are due every month on the XXXX of the month. XXXX states after day 29 they report a late 30 days, however they have my payment the day after 29 so it can not be reported late because that same day payment was in their possession. if the day after 29 days was passed and no payment was in their possession they could report a late 30 days however they had my payment and can not be reporting a late 30 days and as such is inaccurate information

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Selene Holdings LLC
State: DE

Complaint narrative:
Borrowers experienced problems meeting their {$1200.00} monthly mortgage installment obligations to their lender as a result of the COVID 19 pandemic. Borrowers contacted erstwhile servicer, XXXX XXXX XXXX ( XXXX ) for assistance in XXXX of 2021. XXXX duly placed the borrowers in a forbearance program and required them to make seven ( 7 ) timely trial payments of the regular monthly payment plus catch payments. However, during the course of making the trial payments to XXXX servicing of the borrowers ' mortgage note was transferred to Selene Finance ( Selene ). After making the final trial payment on XX/XX/2021, the borrowers requested the permanent modification from XXXX  and were directed to Selene. Borrowers contacted Selene repeatedly for the permanent modification to no avail and were eventually informed that Selene did not even have the borrowers ' file. Selene therefore asked the borrowers to supply them with copies of the correspondence related to the trial payment. On XX/XX/2021, the borrowers received a final modification more than doubling their previous monthly mortgage installment payment to {$2200.00} and simultaneously increasing their fixed interest from 3.00 % to 5.00 %.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY
State: GA

Complaint narrative:
On XX/XX/XXXX, I saw a referral offer on my American Express platinum card. The referral offer says " get XXXX XXXX and addition +4 membership rewards no matter what card your friend is approved for ''. I utilized this offer and used it to refer one of my friends, he applied and was approved for the XXXX XXXXXXXX credit card. 

I submitted the complaint but I was rejected saying that " We reviewed the referrals from XX/XX/2021 and found that the referral link was used however the application status can not be determined. " However, this does not make any sense. 
The people I referred is my close friend, so he has shared with me his approval email on XX/XX/XXXX. I have attached it as the proof!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-21 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Kriya Capital, LLC
State: NV

Complaint narrative:
Tuesday XX/XX/2021 Credence Resource Management contacted me. I have received a call before super nice person. I am XXXX and she put a hardship on it for 30days. Today I get a call tell him I'm still XXXX also explain to him the small details of the acct. He explained that I had 2 choice either take responsibility for the account or file a police report. A few times I said " that's a super hard thing to do and it's not something I can just decide '' he kept telling me I had that two choices and I asked if I had to make that decision right now he said yes. I told him I couldn't he kept trying to force me to I told him I wasnt able to adequately make that decision right now he then proceeded to ask me if I was under the influence and that I sounded just fine. He just talked over me and didn't let me speak. I told him again I could not make that decision right now and that at this point he was harassing me. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Which is also information I am not required to give him. He said in the beginning of the call that the information collected would be used to collect debt. He was trying to squeeze decisions I could not make for the benefit of the collection agency. His harassment was to strictly benefit the debt collector. He is not of authority to force me to make decisions in regards to my life.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-21 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: FL

Complaint narrative:
You have listed incorrect accounts on my credit report that should not be there at all. This is not only unfair to me, but also very troubling, because I have never committed or made any of the things you accuse me of doing. Investigate these accounts or I will take legal action against you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
You have listed incorrect accounts on my credit report that should not be there at all. This is not only unfair to me, but also very troubling, because I have never committed or made any of the things you accuse me of doing. Investigate these accounts or I will take legal action against 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 non-monetary relief
Consumer complaint received 2021-12-21 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: NV

Complaint narrative:
XXXX XXXX is incorrectly reporting a late 30 days. my payments are due every month on the XXXX of the month. XXXX states after day 29 they report a late 30 days, however they have my payment the day after 29 so it can not be reported late because that same day payment was in their possession. if the day after 29 days was passed and no payment was in their possession they could report a late 30 days however they had my payment and can not be reporting a late 30 days and as such is inaccurate information

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 2021-12-21 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: NC

Complaint narrative:
XXXX XXXX XXXX has reported to all three bureaus, that my account with XXXX XXXX is delinquent, the account shows {$0.00}. Balance because it had been paid. I contacted the collection agency multiple times over the years and recently, they stated they could not remove. I also contacted XXXX XXXX  over the years and a few months ago in regards to removal of the paid account, they initially said they would reach out to the collection agency to have it removed. After no results were achieved, I called XXXX XXXX again and they stated that they couldnt do anything due to the account being in collection even though its paid.

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 2021-12-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: HireRight Solutions, Inc.
State: CO

Complaint narrative:
The company 'Hire Right ' called a United States Courthouse and requested the name and social security number of a case number provided. This is partially protected information and should not be requested by a company operating in the US. Please investigate this practice as it illegal and predatory. Doubt anything will come of it though! Big corporation against regular citizens!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-21 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: CA

Complaint narrative:
On XX/XX/21, I set up a payment to my real estate manager who needed to pay a subcontractor who was putting a roof on one of my properties and wanted to be paid cash. On XX/XX/21, I received email saying the funds were sent and directing me to provide a number to the recipient for pickup. I did so, but today ( XX/XX/21 ) when the recipient went to pick up the funds they were told the number was invalid. I called Moneygram to try and determine what the issue was and was told it was being held for my protection due to scams etc., which I could obviously appreciate. I was asked a series of questions which I answered explaining I had known my manager for 4 years, the purpose of the payment, his phone number and more. I was put on hold for " 3 minutes '' while a review was made. The call was disconnected about 2 minutes later. I called back and explained what had just happened and was told that the transaction had failed the security check and funds would be returned to me in 10 business days. I asked why this couldn't have been determined before I received a message saying the funds were sent and instructing the recipient to go and pick them up. The agent merely repeated that the transaction had been canceled. I explained that I was on the phone with another agent 15 minutes earlier to whom I'd just provided relevant information and asked when this decision was made. I was told it had been made today ( XX/XX/XXXX ). I have wasted close to a week on this and am fortunate to have a manager who out of the kindness of his heart is paying the subcontractor while I look for a competent company who can do the funds transfer. Though I hope to be a huge XXXX some day, right now I only own 4 properties and having to take {$18000.00} off of my books while I wait for 2 weeks for my {$9000.00} to be refunded is creating a needless burden. I notice it took them about 10 business minutes to extract the funds from my account. Again, I appreciate the effort to protect consumers from scams, but the info I provided made it clear I wasnt paying a tax scammer, customs fees for the millions I was about to inherit, etc.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I've told Experian to stop sending emails about credit card offers and they won't stop.

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 2021-12-21 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: IN

Complaint narrative:
This account contains a finance charge, which is the sum of all charges. Upon using my Credit Card ( social security card ) this account was paid in full and shall not ever been late. These payments need to be updated to paid as agreed because the payments were received.

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 2021-12-21 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: IN

Complaint narrative:
This account contains a finance charge, which is the sum of all charges. Upon using my Credit Card ( social security card ) this account was paid in full and shall not ever been late. These payments need to be updated to paid as agreed because the payments were received.

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 2021-12-21 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: CREDIT ACCEPTANCE CORPORATION
State: PA

Complaint narrative:
I have a negative report on multiple consumer credit files in regards to my payment history. I want my payment history to be removed from the consumer reports you have furnished.

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 2021-12-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY
State: NV

Complaint narrative:
On XX/XX/XXXX we applied to Wells Fargo for a mortgage for a home. We needed to purchase this home because the Illinois Tollway is taking our home because they are expanding the road. The tollway wants possession XX/XX/XXXX. 

WE NEED TO BUY ANOTHER HOUSE OR WE WILL HAVE NO PLACE TO LIVE AFTER THIS DATE.! 

Our XXXX XXXX is XXXX ( yes, not a typo ), We have no debts, we have no mortgages, we own 3 homes, one is for rental income. We have over {$800000.00} in IRAs and other assets. They tried to claim our income to debt ratio was too high and I told them we can just increase our IRA distributions, then they dropped that excuse. 

Clearly, we are not a credit risk. Wells Fargo refused to provide us with a legitimate reason for denying us a mortgage. 

After XX/XX/XXXX, we will be paid by the Tollway for our house they are taking. So in essence Wells Fargo is denying us a mortgage because they are afraid that we will pay off this mortgage when we get paid from the tollway and they won't make a huge profit. 
However, we won't get paid until XXXX or XXXX. So we need money now to buy a house. Or we will have no place to live. 

My wife XXXX XXXX XXXX and we can not be displaced because Wells Fargo just wants more profit. She could get sick and die. Wells Fargo knows this and they don't care This is not a legitimate reason for denying us a mortgage. This is economic discrimination.

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 2021-12-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NV

Complaint narrative:
There is a XXXX capital one credit card bill that isnt mine. I have explained this to the collection agency and the original creditor. This should not have been sent to collections in the first place. This isnt my debt

Company response to consumer: Closed with non-monetary relief