vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-09-27 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: PA

Complaint narrative:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: UMPQUA HOLDINGS CORPORATION
State: ID

Complaint narrative:
Saturday XXXX XXXX, A recent payment of {$2400.00} on your Mastercard account was returned unpaid by UMPQUA BANK I've been at umpqua bank maybe 3 years ago, and stayed with them for 1 year. This payment was made to pay off my credit card, which would be in year XXXX, and just on the XXXX of XXXX I get a notification from my credit card company that they NEVER received the payment of {$2400.00}! HOW ABSURD! Now my credit score has tanked because of this return! Not only I have paid on time years ago, but now I have to REPAY this amount! How insane!

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 2021-09-27 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: OH

Complaint narrative:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-27 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: EQUIFAX, INC.
State: LA

Complaint narrative:
On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I sent you a letter on XXXX, to this date I still received no response from you. My name is XXXX XXXX SSN # XXXX. I am starting to take this complaint to the next level for your negligence. its like i am begging for errors to be removed from my report when it shouhld not be there in the first place. I am keeping record of everything so I could use them if in case you continue to ignore me. This caused me so much trouble.

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 2021-09-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I sent you a letter on XXXX, to this date I still received no response from you. My name is XXXX XXXX SSN # XXXX. I am starting to take this complaint to the next level for your negligence. its like i am begging for errors to be removed from my report when it shouhld not be there in the first place. I am keeping record of everything so I could use them if in case you continue to ignore me. This caused me so much trouble.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-27 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: IL

Complaint narrative:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-27 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: CA

Complaint narrative:
( XX/XX/XXXX ) Venmo has deactivated my account without giving me a reason and I am unable to withdrawal my funds. 

I received an email from Venmo regarding my account being frozen and steps to comply to reopen it. I did as requested and sent a copy of my ID for verification. When I didnt hear I followed up on the Venmo chat and they requested again for me to upload my ID. We complied again and Venmo said they will need to pass it on to an account specialist.

The next email we received was regarding my account being deactivate and that all funds will be frozen for up to 180 days and that Venmo will no longer be responding to my inquiries. I emailed saying their must have been a mistake and I would like to know what I did wrong and how I could correct it. I got the same response that Venmo will not be able to assist me further.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Aspen Yo LLC
State: NJ

Complaint narrative:
We want to make 3 consecutive payments to this company so we can refinance after coming outta forbearance and they refuse to let us??

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-27 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:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really XXXX  and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-27 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: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I was a victim of identity theft, i had rightfully disputed this XXXX account in year 2018 in which it was agreed upon and blocked as well as removed in 2018. Today this same account shows up on the credit report again. This is harassment and i am requesting that this account be removed permanently. 

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 2021-09-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: AL

Complaint narrative:
Carrington is trying to say I did a partial home loan modification in XXXX. I had my whole loan redone to {$90000.00} XXXX  XXXX XXXX got {$21000.00} which isn't supposed to be paid back until the end of the loan which is XXXX. It doesn't state it in the letter either about a partial home loan modification from XXXX. XXXX  XXXX XXXX tried to foreclose on my home in XXXX because they weren't applying my payments as they should be. I had to file for bankruptcy protection to save my home. They keep telling my lawyer different stories from what they told me to cause trouble. Now Carrington is causing more trouble with not notifying my lawyer or the bankruptcy court. This XXXX as an f rating with the XXXX. It seems they want to transfer my home loan to these sorry companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-27 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: DISCOVER BANK
State: IL

Complaint narrative:
I AM XXXX XXXX AND IM SUBMITTING THIS COMPLAINT MYSELF AND THERE IS NO THIRD PARTY. MY PURPOSE OF THIS COMPLAINT ISN'T TO GET THIS ACCOUNT VALIDATED ( ACCOUNT # XXXX ), THE PURPOSE OF THIS COMPLAINT IS TO ENSURE THIS ACCOUNT WILL BE PERMANENTLY REMOVED FROM MY CREDIT REPORT AND TO BE PAID FROM THIS COMPANY FOR THEM VIOLATING MY CONSUMER RIGHTS. PLEASE UNDERSTAND THAT I AM NOT SAYING THIS ACCOUNT WAS OPENED WITHOUT MY PERMISSION, I AM CLEARLY STATING THAT YOUR COMPANY VIOLATED MY CONSUMER RIGHTS. ALSO, PLEASE DONT TRY TO SAY THE FCRA, FDCPA, AND TILA ACT/ TRUTH AND LENDING ACT DOESNT APPLY TO YOU BECAUSE YOURE NOT A DEBT COLLECTOR, WHEN IN FACT THE TERM DEBT COLLECTOR MEANS ANY PERSON WHO USES ANY INSTRUMENTALITY OF INTERSTATE COMMERCE OR THE MAILS IN ANY BUSINESS THE PRINCIPAL PURPOSE OF WHICH IS THE COLLECTION OF ANY DEBTS, OR WHO REGULARLY COLLECTS OR ATTEMPTS TO COLLECT, DIRECTLY, OR INDIRECTLY, DEBTS OWED OR DUE OR ASSERTED TO BE OWED OR DUE ANOTHER. NOTWITHSTANDING THE EXCLUSION PROVIDED BY CLAUSE ( F ) OF THE LAST SENTENCE OF THIS PARAGRAPH, THE TERM INCLUDES ANY CREDITOR WHO, IN THE PROCESS OF COLLECTING HIS OWN DEBTS, USES ANY NAME OTHER THAN HIS OWN WHICH WOULD INDICATE THAT A THIRD PERSON IS COLLECTING OR ATTEMPTING TO COLLECT SUCH DEBTS. FOR THE PURPOSE OF SECTION XXXX6g2f ( 6 ) OF THIS TITLE, SUCH TERM ALSO INCLUDES ANY PERSON WHO USES ANY INSTRUMENTALITY OF INTERSTATE COMMERCE OR THE MAILS IN ANY BUSINESS THE PRINCIPAL PURPOSE OF WHICH IS THE ENFORCEMENT OF SECURITY INTERESTS. SO, FROM THE DEFINITION ABOVE WE SEE THAT A DEBT COLLECTOR MEANS ANY PERSON WHO ATTEMPTS TO COLLECT A DEBT, WHICH WOULD ALSO BE YOU!!! UNDERSTAND THAT YOURE UNDER PENALTY OF PERJURY. Discover Bank violated 15 usc 1602 ( l ), 15 usc 1692j ( a ), 15 usc 6801 ( a ) ( 1 ), and 18 U.S. Code 8

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-27 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc.
State: WA

Complaint narrative:
I have been on a FHA backed COVID-19 forebearance since XX/XX/XXXX. It is ending on XX/XX/XXXX and I have been in contact with my loan servicer throughout the pandemic. They knew my situation was that my husband who is on the loan lost his job and suffered with severe mental illness and is instiutionalized and was abusive. He quit claimed the house to me already. 

Today, three days before I am set to take advantage of the CARES act help of either a partial claim or a streamlined refinance, they tell me that he has to sign documents. That is not possible as I have a protection order against him and he is in a center. So, Mr. Cooper is saying that I have to bring my loan current by Thursday or sell my home. Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CT

Complaint narrative:
I opened an account in XXXX of 2020 with Capitol One. I received a few checks for rental assistance from XXXX XXXX XXXX I deposited into my account. 
I was trouble receiving my mail ( Post office issues ) and asked XXXX to reissue the checks originally sent to me. When XXXX reissued and mailed the replacement checks, it seems I received the cancelled checks as well as the replacement checks at the same time but I was not aware til I made my deposit. The replaced checks were returned and Capitol One froze my account. 

When I called customer service to see why my account was frozen they had me speak to the XXXX XXXX. I asked them to clarify why they had my account frozen but they refused and told me they couldnt answer any questions. They were very rude to me, and questioning me as if I was a criminal who deposited fake checks. I told them this was XXXX public assistance checks and asked them to please release my account as this was to assist with a hardship I was having. The agent continued to question me, asked me the address of my center, my case worker, what the check was for and asked for a contact number with an agent at the center to verify my case. All govt agencies were shut down because of the Pandemic so at the time the only way to communicate with XXXX was through email and a general number which only rang busy. When I explained this to Capitol One they told me they couldnt help me and they would keep my account frozen and the rude agent hung up on me without ever explaining why my account was frozen. 

I called back to complain with a supervisor who explained to me it was because some of my deposits were returned but once fully cleared funds would be released to me. Its been a year and half, funds were cleared then but my account remains frozen with no explanation why. 

Ive called the bank NUMEROUS times and even told them I was exempt from this act as it was Public Assistance. I received a letter telling me my account was closed around XX/XX/2020. I was advised by someone that once a bank closes an account by law theyre suppose to release funds. The bank never did and my account to date remains frozen and gains a few pennies in interest monthly. 

During my last call to them 2 months ago, the agent told me they would confirm the clearance of funds, why? I dont understand, and mail a check for my balance to me. They never did. They never sent me anything in writing confirming an update or response to my requests. 

Please help. Im desperate and feel taken advantage of.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Capital one has a previous issue with ne through you unresolved due to deceitful practices ( attached ) This bank is assisting criminally insane law enforcement officers with law enforcement style stalking. This is just a form of victim harassment through third parties. They have my XXXX in their possession and are withholding it and asking ME for identification for a computer verified 5 yr old account. Identification is the current scam of the XXXX XXXX XXXX in law enforcement who were also stalking with the last reports. 

I need all my money and for this bank to stop assisting the mentally ill with fraud and the violent crime of law enforcement style stalking. No investigation goes on for 5 years. Capital one has assisted the criminals and hides the recorded calls and evidence for them. 

I want all the evidence and my XXXX I am on XXXX and have to use it within 30 days for housing or the discrepancy they are causing forces me to lose my benefits for 3 years.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: BARCLAYS BANK DELAWARE
State: FL

Complaint narrative:
I am trying to apply my {$17.00} rewards to the Barclays Mastercard as cash back. I tried doing it online but it does not give me that option. I opted out of the terms and conditions which should have also prevented my balance from being transferred to Barclays. Opting out resulted in both the new Barclays Mastercard account and my XXXX  VISA card being closed on XX/XX/XXXX which is 3 days before the date I was told my XXXX  VISA account would be closed. I opened a new account with XXXX and would have transferred the balance to my new account. I am sure hundreds of other people are being cheated out of their rewards dollars. I was on hold waiting for customer service from XXXX XXXX today to XXXXXXXX XXXX today before I was disconnected. I called back and have been on hold since XXXX XXXX  I hung up at XXXX and gave up. 

It is a well known fact that Barclays customer service is horrible. The manner in which this business decision was implemented has been an absolute disaster on both the part of XXXX and Barclays. Only XXXX XXXX and XXXX XXXX could have XXXX  it up more. Perhaps a class action suit is in order against both Barclays and 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 2021-09-27 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:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
Someone used my information for fraud and obtained different things in my name. Including credit cards that I did not use from XXXX XXXX. I shoes as 2 different Credir cards opened same day from the same company. 
I have no knowledge and it is effect my credit and my life and stopping me from buying things are obtaining credit.

One card in amount of XXXX One card in amount of XXXX Every month this debt collector reports a balance increase on this debt which is effecting me. It has caused a lot of problems in my life.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-27 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Viking Client Services
State: TX

Complaint narrative:
On XX/XX/2021 I received correspondence from VIKING CLIENT SERVICES , LLC about a debt allegedly owed to them in the amount of {$310.00}. First and foremost, who does these people think they are to not only demand that I pay them but to report this alleged debt to the credit bureaus and ruing my reputation as a consumer? Who gave these people to report anything on me in the first place? I don't owe these people a damn thing and I've never done business with them a day in my life. I want this XXXX handled immediately!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-27 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Today marks 31 days that i filed a dispute and i haven '' t received any information and their not complying with their own policies in a timely matter which is 30 days.

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 2021-09-27 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: TD BANK US HOLDING COMPANY
State: MI

Complaint narrative:
I was a victim of identity theft, i had rightfully disputed this Target account in year 2018 in which it was agreed upon and blocked as well as removed in 2018. Today this same account shows up on the credit report again. This is harassment and i am requesting that this account be removed permanently. 

TD BANK USA /TARGETCREDIT XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-27 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I was send a post card that I was going to have an independent forclouser review and I was going to receive a check. I never got anything about my review or a check.

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