vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-07-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
As a consumer I applied for a preapproved card using my opened ended credit plan. And I was denied, not sure why I was denied once my credit card was accepted.the reason that were listed are hearsay and discrimination. I dont know how this erroneous list that was provided.that was embrassing to me and my reputation.with that all being said, I provided you with my credit card and now you have denied me credit which provides me no benifit. I demand for your corporation to provide me all the documentation and materials to me so I can investigate why I was denied with my open credit plan. As the original creditor Im not sure how the reporting agency you used to get my permission to provide any information which violated my privacy rights 15 usc 1692 b, and provide alleged inaccurate information. 
Can you reconsider your decision you reason listed on 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
Consumer complaint received 2021-07-30 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc

Complaint narrative:
Hi my name is XXXX and I'm from XXXX I'm using PayPal to transfer money and take payments from my clients more then 8 years but last 2 years their AUP ( user agreement policy ) was changed without any notice or email last year they start transfer any monies under AUP break or damages ... They took XXXX usd from my account without any notice or reason I'm still trying to contact them but no phone or email is replying my PayPal account email is XXXX Thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-30 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Improved Data Services LLC
State: AZ

Complaint narrative:
Improved Data Services LLC Collections I am filing a formal complaint against IDS for abusive and harassing collections tactics. Per FDCPA a debt collector is not allowed to contact a third-party more than once unless requested to do so by the third party. At no time have given IDS permission to contact me at all regarding anything yet they called me ( XXXX XXXX XXXX ) MULTIPLE TIMES. XXXX @ XXXX and XX/XX/XXXX @ XXXX. In addition, per FDCPA if a debt collector already knows how to contact a consumer ( they have location information ) then there is no reason to call a family member, friend, or co-worker. The collector can not ask the third party to pass on a message, ask for other information or harass the third party. On occasions @ XX/XX/XXXX messages were left XXXX stated : Its very important that I speak to XXXX, please return my call, again it is very important that I speak with XXXX, if you are able to get this message to him, I appreciate it. 
I personally called at XXXX and spoke with XXXX and advised she does not have permission to contact my number. She proceeded to ask me if I know the party in question and asked If I know where he is at. I told her I refused to answer this and again not to call my number again. I asked for her employee ID, Company address and CEO name. She proceeded to put me on hold and on came someone by name of XXXX ( I think ). I advised him the same and that I did not ask to speak to him nor did I need to. I explained to him that they are not to call me per FDCPA and I have received multiple messages from XXXX. He proceeded to tell me although I told him this is a form of Harassment that they are not harassing me and that I dont have a valid complaint at all and they are allowed to call. He refused to give me the address, CEO name in addition to XXXX ID because according to him this was not a valid complaint? 

# 1. They have broken direct FDCPA law in contacting a Third Party twice without permission to do so. 
# 2. They have also broken FDCPA by creating urgency and asking me as a Third Party to get a message over to another person. 

I am floored with the fact that even after they broke FDCPA that on a recorded line a Supervisor was bold enough to tell me he would not give me what I was asking for because according to him I dont have a Valid complaint? 

*Note- I still have a copy of the voicemail messages left

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 2021-07-30 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: IA

Complaint narrative:
I have three hard credit pulls on one day ( XX/XX/2021 ) that were not me. 
I called one of the numbers listed for XXXX XXXX  and its a mortgage line no longer in use. 
XXXX XXXX also was listed and they didn't have me in their system when I called them. 
XXXX XXXX XXXX  was listed on the inquiry too. 

None of these inquiries are from me. 

They were all done in my former married name ( 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 2021-07-30 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: IA

Complaint narrative:
My client is been trying to dispute various items from his Equifax credit report, but the company has not responded. We have sent multiple letters and warnings since XX/XX/XXXX, however, the company has not communicated with my client. We sent letters requesting the dispute of some accounts on the following days : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. By today XX/XX/XXXX Equifax has still not responded to any of our letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-30 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: DC

Complaint narrative:
I purchased a prepaid hotel room from an Indian company named XXXX. They pre sell rooms on the condition that they are inhabitable by the hotel that has a deal with them. 
When I showed up at the XXXX XXXX and went into the room, i had such a violent reaction that I needed to leave the premise, seek medical treatment at a nearby XXXX, and was unable to stay in the room unless I wanted to die. XXXX violated the warrany clause in our agreement. They had an obligation to provide inhabitable accomodation which they did not. See the agreement gets tricky bc they are not a US company and they dont own the hotel rooms they are brokering out. If the warranty or claim that I will be given a hotel room that wont kill me due to some pesticide or insecticide being sprayed in the room is not fufilled then there is a breach of contract. 
I spent 3 nights paying for another hotel and provided Chase with a detailed summary of the matter, how I became violently ill and was unable to stay in the hotel and that the hotel agreed to refund my money. However since XXXX was the payment processor they received the refund. Chase did not bother to ask them about this and just sent my claim to someone in India who doesnt understand US law nor had any iinterest in finding the truth. Notwithstanding the XXXX loss i suffered as a result of this fraudulent conveyance Chase was provided with extensive documentation and a detailed explanation as to why the contract was breached and why I was owed my money. This does not include the over XXXX i had to pay for another hotel room by XXXX bc i could not stay at the XXXX XXXX. 
I am entiteld to have my money refunded as i was not given a room that i paid for. Am seeking the refund of my monies or i will pursue a case in small claims court. This is about integrity, respect for the law, and fairness. 
Chase contractors in India ( maybe they are friends with the scammers at XXXX XXXX who are also in India ) should not be working on claims involving US transactions where there is a dispute in law and violation of the FCRA.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-07-30 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 have disputed the items circled in my attached report and they have failed to address these items in a timely manner. These items are unknown and need to be deleted from my credit file immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: LA

Complaint narrative:
On XX/XX/2021 I had 5 different t unauthorized transactions on my account totalling {$710.00}. I immediately contacted chime about it and was told I had to wait until the charges posted to my account in order to dispute them. So I did. On the 10th business day exactly I get an email saying they have closed my claim and that is was being denied! I contacted the dispute department and was told that I had 2 options which were either provide more evidence or request documents that they used in making their decision but that I would still not be eligible for the provisional credit! This company is a scam and needs to be shut down IMMEDIATELY!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-30 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: LA

Complaint narrative:
This is my second time filing a complaint since XX/XX/2021 due to the reporting agency not doing their jobs by truly investigating inaccurate information on my credit report and they are refusing to remove the errors or provide my signature or contracts holding there of. This is violating my consumer rights and its causing me financial hardship.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-30 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: LA

Complaint narrative:
This is my second time filing a complaint since XX/XX/2021 due to the reporting agency not doing their jobs by truly investigating inaccurate information on my credit report and they are refusing to remove the errors or provide my signature or contracts holding there of. This is violating my consumer rights and its causing me financial hardship.

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 2021-07-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Angel Oak Home Loans LLC
State: IL

Complaint narrative:
We began a mortgage refinance with Angel Oak Home loans in XX/XX/2021. As of today, XX/XX/2021 we have NOT completed this refinance. We have been asked over and over to supply additional information and had to re-submit for credit reporting and re-certification of appraisal because they were so slow/inept at underwriting & processing that many of the documents had " expired ''. XXXX XXXX was our original loan officer ( NMLS XXXX ). After some months of him being missing-in-action, XXXX XXXX tried to step in to help ( XXXX ). I was promised by XXXX that if we just run credit again in XXXX, that we would be able to close on the re-finance the following week. Obviously that didn't happen. They never communicate with me as the customer unless I reach out for a status - only re-active communication. No pro-active communication. 
The loan processor, XXXX XXXX did try to push this along. Much of the blame for these delays/requests were pushed to the mysterious " the underwriter '' who didn't seem to have the mental processing power to understand or comprehend the components of our application. We would have been fine if they ever just gave us a denial as a straight answer. Angel Oak is unethical and unprofessional and should not be allowed to offer mortgage services.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: ALLIANT CREDIT UNION
State: MO

Complaint narrative:
I opened an Alliant Signature Visa credit card in XXXX, at which point the annual fee was advertised as {$59.00} ( with an associated cash back reward of 3 % ). In XX/XX/XXXX, they increased the annual fee to {$99.00} ( with cash back of 2.5 % ). I am required to pay my annual fee in XXXX of each year. After paying my {$99.00} annual fee in XX/XX/XXXX ( for the year covering XX/XX/XXXX - XX/XX/XXXX ), Alliant changed the terms of the card again in XX/XX/XXXX. They have now eliminated the annual fee, as well as the associated cash back reward of 2.5 %. Despite the fact that I've already paid my annual fee covering XX/XX/XXXX - XX/XX/XXXX, if I wish to maintain my cash back reward of 2.5 % after XXXX they are requiring me to open a separate Alliant High-Rate Checking account, maintain a balance of {$1000.00} in that account, and have a monthly deposit in that account. After charging me an annual fee of {$99.00}, they are changing the terms of my card -- midway through the year -- and eliminating the benefits I paid for through that annual fee. I must now meet new requirements, as if I were a new customer, in order to get the benefits I already paid for through the second half of my annual cycle. I would like for Alliant to refund my annual fee, which will no longer confer the benefits I originally paid for.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-07-30 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: MN

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 2021-07-30 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: Portfolio Recovery Associates, LLC
State: PA

Complaint narrative:
On XX/XX/2020 a collection letter was sent to me by PORTFOLIO RECOVERY and add a derogatory mark on my credit report per XXXX XXXX. Upon Further research, this account was transferred/sold and I am no longer responsible for the account. Debtors creditor did not verify this collection. Also, there was No written form of Communication, contract, or signature for this accused debt at all. A bill without signature does not validate the debt and anybody can send a bill and says its mines. According to the FCRA, PORTFOLIO RECOVERY has violated my rights as a consumer and I'm requesting legal action to remove this account legally

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-30 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: FORD MOTOR CREDIT CO.
State: TX

Complaint narrative:
In the month of XX/XX/XXXX, my auto loan was reported to have one 30 day late payment to all credit bureaus. This is not valid as the account has been in excellent standing since XXXX. I reached out to the lender and they advised they would correct this before the next reporting date in XXXX, as it was a banking error. I reviewed my credit report today on XX/XX/XXXX and could see the issue has not been resolved and my credit is being affected thus preventing a refinance on my home to provide for my family. This is causing dire stress on myself and I need your help to rectify this matter immediately. My payment for XX/XX/XXXX has reported on time and the creditor is not responding anymore to my written letters and when we call, I am always placed on hold and the call gets disconnected. I pay roughly {$1200.00} a month for my auto loan so this is a surprise. My husband submitted a complaint yesterday with the CFPB and since we are joint on the account, it is also affecting my credit because of their banking error reporting methods.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-30 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: GA

Complaint narrative:
I sent a letter in XXXX dated the XXXX requesting XXXX, Equifax, and XXXX  as follows ( According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see Verifiable Proof ( an original Consumer Contract/Application with my Signature on it, Pay off Disclosure, Interest rate disclosure, Balance History, Payment History and Credit Insurance ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

I demand the following accounts be verified or removed immediately. ) The only response I got was generic and stated account verified however there was none of the previous documents I requested where attached. I then followed up with a second letter stating in XXXX dated the XXXX XXXX which request the following ( Please be advised this is my SECOND WRITTEN REQUEST. The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts?

You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 

The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA I demand the following accounts be verified or deleted immediately. ) Still to no avail this time there was no response It is no XXXX the XXXX and I am still struggling with these same unverified and therefore unlawfully placed accounts on my credit report please assist me in making XXXX, Equifax, and XXXX  follow the law and promptly remove the items I attached in the letters

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Aspen Yo LLC
State: TX

Complaint narrative:
Aspen XXXX, a/k/a Gregory Funding, is using deceptive and abusive practices to confiscate funds that are not in keeping with the strict adherence of the Deed of Trust. I have entered into an agreement with the county to compensate me for the easement for a partial taking. Gregory Funding is stating that their secure instrument requires that they are entitled to the funds, when it is clear that their formula and their interpretation of the loan document states if the partial taking is equal or more than their secured instrument. They are holding up on the Consent of the Lender letter required by the county in order to allow payment to me the borrower. The payment is in the amount of {$66000.00}. The Lender wants it applied to the mortgage, even though they are completely secured and the value of the property is approximately {$100000.00} more then the principal. They are not applying the Deed of Trust instructions in securing an appraisal immediately before the partial taking and the payoff immediately prior to the taking. The Lender will not be reasonable even when it was offered to divide the compensation due to the owner equally with the Lender.

Company response to consumer: Closed with explanation