vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-06-29 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: ENCORE CAPITAL GROUP INC.
State: MI

Complaint narrative:
I reached out to the company Midland funding after they took my tax refund. I didnt know about a debt I owed then after looking into it found that its not mine, I disclosed this to them numerous times since 2015 and still they have now decided to put negative marks on my credit report along with taking money they are not owed. But now that the debt is paid they still wont remove this off my report and wont tell me who it came from or what its from

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-29 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: CITIBANK, N.A.
State: IL

Complaint narrative:
Citbibank cut my credit limit in half, I have had zero lates with them or any other creditor listed in my credit report. There was no reason for this and one credit card impacted my entire credit report. I heard that Citbank finds older people who could be in or approaching retirement age and cuts their credit limit. I feel that I have been discriminated against because of my age. Ask them if they engage an algorythem that searches out this situation. 
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX IL XXXX Citi account number XXXX XXXX XXXX XXXX last four of my social is 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 2021-06-29 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: CA

Complaint narrative:
I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : XXXX. XXXX XXXX  - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
XXXX. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
XXXX. XXXX XXXX XXXX- Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
XXXX. XXXX - Account # XXXX XXXX Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
XXXX. XXXX - Account # XXXX XXXX Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : XXXX. XXXX XXXX XXXX  on XX/XX/XXXX ( Reported Identity Theft ) XXXX. XXXX on XX/XX/XXXX XXXX XXXX XXXX Theft ) XXXX. XXXX XXXX XXXX  on XX/XX/XXXX ( Reported Identity Theft ) XXXX. XXXX XXXX XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) XXXX. XXXX XXXX XXXX  on XX/XX/XXXX ( Reported Identity Theft ) XXXX. XXXX XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) XXXX. XXXX XXXX XXXX  XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) XXXX. XXXX XXXX XXXX  on XX/XX/XXXX ( Reported Identity Theft ) XXXX. XXXX  XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) XXXX. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) XXXX. XXXX  XXXX on XX/XX/XXXX XXXX Reported Identity Theft )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: LD Holdings Group, LLC
State: FL

Complaint narrative:
We applied for refinancing in XX/XX/2021. We had no response in XXXX XXXX as to the status. XXXX we received a closing disclosure which was far from the original estimate. We cancelled the process on XX/XX/XXXX because it took way too long and we did not want to miss the low rate window. We confirmed the cancellation on XX/XX/XXXX. We found out that Loan Depot had contacted our insurance company and made themselves the mortgage holder. Our insurance bill which is escrowed was mailed to Loan Depot. They did not pay it and did not return it. No one knew the insurance was not paid until the insurance company sent us a notice of lapse. We had to pay the insurance out of pocket while it is still being escrowed with our mortgage company, XXXX XXXX XXXX. We had a fire during this timeframe, and we had a claim through the insurance company. They could not process the claim quickly because their records had Loan Depot as the mortgage holder, and Loan Depot never held the mortgage at any time. This caused a lot of problems. We are still getting closing documents sent to us from Loan Depot. We are still getting calls from Loan Depot asking if we want to refinance with them. The last closing disclosure was XX/XX/2021. We have already refinanced with another company and closed in less than 2 months. Can you help make Loan Depot take us off their mailing list?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-29 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: FL

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 im 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 promtly. I demand these accounts be deleted immediately or i will file for iltigation due to the stress you caused me.My information was also impacted by the equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-29 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
I returned 3 items of clothing to New York & Company that were charged on the NY & Co credit card through Comenity Bank. They received the merchandise on XX/XX/21. After multiple phone calls they finally processed a refund on XX/XX/21 in the incorrect amount, shorting me {$6.00}. When I called XXXX XX/XX/21 they agreed to issue the refund within 7-10 business days. As of today, XX/XX/21 the refund has still not been issued and I will now have to pay the {$6.00} to avoid a late fee on the credit card account. A call today has not resolved this problem but has only led to more unconfirmed promises that the refund will be issued in ANOTHER 3-5 business days. I have requested this in writing but they have stated that they have no ability to send me anything in writing. In the meantime I am still owed {$6.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CITIBANK, N.A.
State: SC

Complaint narrative:
on XX/XX/21 I was notified by XXXX XXXX that a new charge appeared on my credit report. a charge of {$1000.00} was made. I contacted CITI Bank regarding the charge and I was told a balance transfer check was used for {$1000.00} plus a {$50.00} transaction fee. The account was closed a new card was issued and the case was turned over to the fraud department. As of XX/XX/21 I have never been contacted by CITI band regarding this issue. I have made several phone calls to CITI bank and requested to speak to someone in the fraud department regarding this matter. I was told that the fraud department did not have a direct extension to be transferred to. In the mean time i have been getting repeated phone calls/text messages/emails trying to collect the debt. I contacted CITI again and was told they are in the process of doing their investigation. On XXXX I contacted CITI again and got the same run around I requested that i be transferred to a supervisor in the fraud department. I was told that a fraud declaration form was mailed to my home on XX/XX/21 & XX/XX/21 none of which I received. I requested that the form be emailed to me so I could complete the form and return it Immediately I have yet to receive the form. When i got hole on XX/XX/21 there was a letter from Citi in my mail box stating the investigation was complete and that I failed to cooperate by not completing the fraud declaration form the letter also stated the findings will be report to the CRA. My concern is that CITI goes to extreme measure to contact me regarding a past due amount by any means possible why couldnt the same thing be done regarding the fraud issue.

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 2021-06-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc.
State: PA

Complaint narrative:
Hello, Thank you for your help in this matter. I fell behind on my mortgage prior to the covid pandemic in the amount of {$8000.00}. I entered forbearance XX/XX/XXXX due to my business temporarily closing to abide by covid guidelines. During forbearance I was told by my Mortgage provider, Mr Cooper to make payments on the prior debt. I did this in the total amount of {$5900.00}. I saw that this was not being applied to my debt and was sitting in a category on my statement " unapplied funds ''. I reached out during the forbearance but was never able to get an answer concerning where this amount was going to be applied. My forbearance ended XX/XX/XXXX and I talked with a representative who encouraged me to apply for a loan modification. I did so and filled out the necessary forms. I was contacted a month later stating they would need a contributor package for my wife ( also unemployed due to covid ) We filled that out and sent it back. They kept returning it saying it wasn't correctly filled out. When I spoke with a representative they said it happens and to keep re-sending. This went back and forth for 4 months along with the same scenario for other paperwork they requested. I have now been denied the modification ( I have modified 3 times in the past ) and am facing foreclosure. This back and forth has also extended my debt by 4 months.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-29 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: NC

Complaint narrative:
XXXX XXXX XXXXXX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX CARD - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX XXXXXXXX XXXX  - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax Hello, I have reviewed a copy of my current credit report and it shows the inquiries above are fraudulent and I have sent a copy of FTC report to request removal. I have not been successful and need these removed due to attempting to purchase a home.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-29 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: Experian Information Solutions Inc.
State: MD

Complaint narrative:
On the following dates my credit was run without my permission and knowledge. I did not consent to or authorize nor benefit from any of the following inquires XX/XX/XXXX Experian Business Credit XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX During these times especially between XX/XX/XXXX to now I have been out of my resident state working on XXXX contracts being a frontline worker. I hope this issue can be resolve immediately. I have taken further action to protect my identity and credit profile for the near future.

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 2021-06-29 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: NY

Complaint narrative:
I have made several disputes pleading with the credit bureaus to honor my request due to my hospitalization. I just pulled my credit report and i noticed that my date of birth and/or address is incorrect or not fully there on my credit report. Im questioning the bureaus investigation. And i believe that the bureaus are in direct violation of FCRA 15 USC 1681a. They have repeatedly sent me letters claiming that the accounts are verified but failed to conduct a properly lawful investigation as law 15 USC 1681a states. Please remove the following late payments off my account due to your violation of 15 USC 1681a ; XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Will adjustment was granted by CEO - All late payments must be removed ) XXXX ( XX/XX/XXXX XXXX XXXX XXXX ( XX/XX/XXXX -- Good Will adjustment was granted by CEO -- All late payments must be removed ) XXXX  ( XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/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 non-monetary relief
Consumer complaint received 2021-06-29 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: NC

Complaint narrative:
XXXX XXXXXXXX XXXX XXXXXXXX XXXX XX/XX/XXXX Experian XXXXXXXX XXXX XXXXXXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Experian XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX Experian XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX Experian Hello, I have reviewed a copy of my current credit report and it shows the inquiries above are fraudulent and I have sent a copy of FTC report to request removal. I have not been successful and need these removed due to attempting to purchase a home.

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 2021-06-29 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: MA

Complaint narrative:
15 USC 6809 ( 9 ) ( 9 ) Consumer The term consumer means an individual who obtains, from a financial institution, financial products or services which are to be used primarily for personal, family, or household purposes, and also means the legal representative of such an individual. 

You are a financial institution according to 15 USC 6809 ( 3 ) ( a ) ( 3 ) Financial institution ( A ) In general The term financial institution means any institution the business of which is engaging in financial activities as described in section 1843 ( k ) of title 12.

You as a consumer 15 USC 6809 ( 9 ) I am the natural person, and agent of the consumer XXXX XXXX XXXX XXXX who obtained from you CAPITAL ONE a credit extension, a service that created an account and I want said account to be sent to the original Creditor, I want the funds from this account to be reimbursed to the original creditor of this account. 


Any digital contract that has been created with this Credit Extension and the issue of the account, card number : XXXX that rests in you is rescinded and it is required that the funds be remitted to the original creditor. As the original creditor I demand that all funds that resulted in the issuance of this account be refunded to me within 20 days. Otherwise I will be forced to file a lawsuit. I have all the relevant evidence to show that you used my credit without my consent. They are not creditor, they are the financial institution that sells financial services, they do not lend money and they have to reimburse me for all money used and obtained without my consent. 15 USC 1602 ( g ). 15 USC 1692 a ( 4 ) 15 USC 1602 ( I ) ( I ) The adjective " consumer '', used with reference to a credit transaction, characterizes the transaction as one in which the party to whom credit uis offered or extended is a natural person, and the money, property or the services that are the object of the transaction. are primarily for personal, family or household purposes

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-29 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: Informative Research
State: TX

Complaint narrative:
I reviewed my credit report and that there were 3 inquiries on my credit report for INFORMATIVE RESEARCH I Inquiry Date XX/XX/XXXX. On XX/XX/XXXX, I mailed out letter advising the company that I never submitted an application or applied for any of their products. I have not received a response from the company and the inquiry is still listed on my credit report. I contacted INFORMATIVE RESEARCH and they said that could not assist with this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-29 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc

Complaint narrative:
I do have problem with Paypal. 
They locked my paypal account holding {$60.00} XXXX + on XXXX. 

XXXX Mail from XX/XX/2021 : We're initiating closure of your PayPal account After a thorough review of your account, we're initiating the closure of your PayPal account in order to protect us from potential financial losses. You'll no longer be able to use PayPal account. 
What happens to your account balance? 
If you have funds in your PayPal balance, we'll hold it for up to 180 days. We'll do a periodic review of your account for funds release. A gradual approach to account closure allows us to part ways, while considering any liabilities that may arise. 

___________________________________ I have call them multiple times on XXXX, as soon as my account got locked. 
They said I broke some user agreements ( I have been on paypal for 10 years and been doing my very own business since 1 year ). When I asked which one, I never got an answer ( by phone or by email ). Then I called them back again multiple times on XXXX. Each time, the person from the client services of Paypal assure me that I will get my money back in 180 days. And so, I waited 180 days gently. No news from paypal since then. Then, 1 week before the 180 days lockdown run out, I checked my Paypal account as saw everything was gone. I didnt received no email / mail / phone call or notification what so ever about this. They just grabbed it, without saying anything. I called them a 2 days ago, they said they had no information to provide me right now on phone, but they will get back to me by email under a few hours about the details. Been 2 days Im waiting for it and I know I will never get it What they seized, without any notification nor proof : - XXXX XXXX XXXX ( XX/XX/XXXX ) - XXXX XXXXXXXX XXXX ( XX/XX/XXXX ) - XXXXXXXX XXXX ( XX/XX/XXXX ) No news from paypal since then ... 
I was using paypal as way of payment for my business i run on XXXX. 

I live in XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-29 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: BARCLAYS BANK DELAWARE
State: NY

Complaint narrative:
Fraudulent XXXX charges from XX/XX/XXXX, XX/XX/XXXXay 1 and May 2, 2021 appeared on my Jet Blue Mastercard. On XX/XX/XXXX when I first saw the pending charges from XX/XX/XXXX and XX/XX/XXXX, I called Mastercard and advised them not to authorize the payments. While the XX/XX/XXXX charges were not authorized, the XX/XX/XXXX ones were approved. On my XX/XX/XXXX statement there were other fraudulent Uber charges. In all, they amounted to over {$130.00}. I have called Mastercard several times. They have twice removed the charges and then placed them back on my account. 
When I received my most recent bill,, there were still {$120.00} in unauthorized, fraudulent Uber charges that were never made by me or my son who is an authorized user. What is most disturbing is that the Fraud Investigations agent who I contacted by phone on XX/XX/XXXX, by the name of XXXX, told me that her notes indicate that all Uber charges on my account, totaling over {$130.00} were not valid according to the notes from my previous 5 calls, and she couldn't explain why they were first taken off and then put back on my most recent statement. When I asked for a supervisor, she said none was available and it would take several days to contact one to reach out to me. 
I told Mastercard on several occasions the source of the fraudulent Uber charges. My son made a purchase from XXXX XXXX on XX/XX/XXXX for his XXXX XXXX XXXX graduation. He received a letter dated XX/XX/XXXX from XXXX stating that many students who purchased from XXXX XXXX had fraudulent charges on their credit cards. XXXX XXXX was hacked and also contacted my son to acknowledge this. Despite having this information that I provided both verbally and in writing to Jet Blue Mastercard, {$120.00} of fraudulent charges appear on my latest statement dated XX/XX/XXXX. I have no confidence in Mastercard 's ability to resolve this matter. I also mailed to Mastercard a copy of XXXX 's letter proving the fraud. Neither I nor my son made any Uber charges ever on my Jet Blue Mastercard. All should be permanently removed from my account and I should be reimbursed for at least one that I mistakenly paid with my XX/XX/XXXX statement.

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 monetary relief