vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-12-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: United Shore Financial Services, LLC
State: CA

Complaint narrative:
Hello, The following are the details for the complaint : On XX/XX/XXXX we closed escrow on our primary residence home located in XXXX XXXX, CA Our mortgage broker XXXX XXXX ( XXXX XXXX XXXX, broker XXXX # XXXX, XXXX  # XXXX, Direct : XXXX, XXXX ), included a {$1800.00} charge for interest points that we did not authorize and before signing the escrow / mortgage closing documents, stated that the funds would be reimbursed during the week of XX/XX/XXXX. 

On XX/XX/XXXX XXXX sent us the following email communication stating that the funds would not get reimbursed until the end of XX/XX/XXXX : " As mentioned through our text communication there is a refund due of {$1800.00} to you. I had initially said it would happen this week after recording however, the due date has been changed to XX/XX/XXXX because it has come to my attention that investors are increasing occupancy audits of the files they are funding. If they find discrepancies that can not be resolved, brokers need to repay their full commission. Investors have 180 days to complete these occupancy audits. 

Therefore, if I were to reimburse you and they find an occupancy discrepancy, I would have paid you to do business with me.

I have had 6 audits so far this year with no issues, but since new material has come to light, I need to be sure I will not end up in the negative. 

As I know this is not what we both want, I need to be sure everything passes and there are no issues with my commissions. 

Please mark your calendars and your check will be paid out promptly assuming all is in order after XX/XX/XXXX. Thank you for your understanding. '' We have since further communicated with XXXX and her position is that she will not reimburse the expenses until we move into the property Would appreciate your help! 

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-10 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: FL

Complaint narrative:
on XXXX i sent the credit bureau a dispute letter with a FTC identity theft report concerning some accounts that were opened fraudulently. They didnt respond to my request to delete the false accounts. I am asking the deletion of these accounts.

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 2021-12-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Lending Club Corp
State: CA

Complaint narrative:
In addition to my last complaint, LendClub Corp is now reporting me 90-days late & 120 days late for the same month ( XX/XX/2020 ). Please see the attachment for more details. This caused my credit score to drop even more while I am trying to resolve matters with them. LendingClub is making things worse instead of rectifying their mistake. Please escalate this and delete or fix this account on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: Checkr, Inc
State: NV

Complaint narrative:
On XX/XX/XXXX I re applied to XXXX as a driver, due to error on my background check through checkr inc I was denied employment opportunity .since XXXX I been trying to solve the background issues with checkr inc address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX Tell. XXXX XXXX XXXX Checkr.com I file multiple dispute, I have not gotten any results.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-10 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 — Problem with personal statement of dispute
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
XXXX point is reporting me 30-60 days late because of wrong information. 

The company Shellpoint stated they processed my XX/XX/2020 loan payment on XX/XX/2020. 

I made XX/XX/2020 payment to XXXX mortgage company on XX/XX/2020 as my bank statement shows. 

I made my XX/XX/2020 payment on XX/XX/2020 to Shellpoint as my bank records show. 

I was then placed on Forbearance XX/XX/2020. 

Shellpoint Loan History does not reflect the XX/XX/2020 payment. 
What happened to the XX/XX/2020 payment? 

What payment was 30-60 days late? 

Thank you, XXXX XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-10 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: MA

Complaint narrative:
On XXXX I made 4 separate payments totaling {$150.00} dollars when combined to a user on Venmo. When I made these payments I checked the option for Venmo 's purchase protection, as these payments were to pay for a service. I did not receive the service for which I paid ; and, the seller refused a refund and blocked all attempts at communications. I therefore submitted a dispute with Venmo to reverse the charges, thinking it would be an easy resolution since I used their purchase protection option. They have, however, failed to provide any resolution and continue to evade my questions about the issue. I can not have my bank reverse the charges due to ACH regulations and the seller has blocked contact, so Venmo is the only one capable of reversing the charges. In short, I made a payment on Venmo and did not receive what I paid for, but Venmo refuses to refund the charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-10 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: GOLDMAN SACHS BANK USA
State: NY

Complaint narrative:
These accounts do not belong to me. Please remove the negative items as soon as possible, because they are hurting my credit. 

XXXX 1. Identity Theft XXXX XXXX XXXX XXXX Account Number : XXXX This is not mine. 

2. Identity Theft GOLDMAN SACHS BANK USA Account Number : XXXX This is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-10 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: CITIBANK, N.A.
State: DE

Complaint narrative:
I have a Citi XXXX XXXX XXXX account which I used regularly and paid on time every cycle. 

On XX/XX/2021 my account was closed by the bank which I did not ask. 

I have {$3000.00} of cash rewards on the account which I verified over the Citi automatic voice phone call system ( Citi online account system refused to show any details of the account ). However, after the account was closed involuntarily, I contacted Citi but was told that I'm not able to redeem any of my rewards from the account. 

I absolutely believe it does not make any sense that my reward cash is not redeemable to me. The rewards were earned through actual purchases and payments by myself. Citi closed my account without any prior notification thus I can not possibly know when to redeem the rewards before account closing. And immediately after the account was closed the rewards cash is not redeemable, even though the phone record shows {$3000.00} rewards on the account. 

I need the company to provide reasons of closing the account and enable the redemption of my rewards cash.

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 2021-12-10 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Incorrect information on your report — Account information incorrect
Company: AMERICAN HONDA FINANCE CORP
State: OH

Complaint narrative:
Almost 2 years ago I co-signed a loan for my son who was working full time. He purchased a car form Honda Financial Services. My son was listed first and I was the co-signer. During Covid XX/XX/2021, my son lost his job and failed to make payments. He deserves to have his credit lowered as a result of not paying, and I mean that. For my part, Honda NEVER reached out to me via phone, email or letter to let me know that my son was behind on his monthly payments of {$330.00}. I found out because a repo guy knocked on our door. I was horrified. I called Honda immediately and made all of my sons back payments + penalties and set up auto draw from my checking to make remaining payments. I should NOT be penalized on my credit. I was NEVER contacted!! I reached out to the reporting agencies and also directly to Honda Financial. The reporting agency said that I should immediately report this to you. Please look at my credit history. I am XXXX XXXX XXXX and have had STELLAR credit from the time i was XXXX XXXX XXXX. Never have I missed a payment on anything, ever. My credit was well into the 800 's. If i had simply gotten 1 call, I would have made good on the shortfall. I have no registered letters from Honda, I have no missed phone calls, and I guarantee that Honda doesnt even have a recorded call that they even connected with me. EVER. I reached out to them to explain both on the phone and by registered mail. I have met resistance every step of the way. This is incredibly unfair and harmful and I would like them to reverse their decision to punish me with a poor credit reporting. My son should absolutely 100 % pay the price for this. Please help me!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-10 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: TX

Complaint narrative:
Sending correspondence requesting deletion of unverified accounts and not receiving a response from them. They can not validate and verify so it needs to be deleted.

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 2021-12-10 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: TX

Complaint narrative:
Sending correspondence requesting deletion of unverified accounts and not receiving a response from them. They can not validate and verify so it needs to be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I XXXX XXXX XXXX checked my consumer report on XX/XX/2021 and I noticed some damaging information that was listed on my consumer report I then reached out to the agencies that were reporting the false information to correct the situation but they refused to do so

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
I am writing to you regarding my TD Bank account. I called today TD Bank customer service asking if they could please refund some of theoverdraft fees recently posted on my account. They were rude and refused to comply.The manager was not helpful either. 
I was pressed for funds and I was forced to overdraft but the TD bank system did not allow me to overdraft the amount I needed so I endedup using multiple smaller transactions XXXX XXXX XXXX dollar fee. Even an XXXX charge of XXXX cost me a XXXX dollar fee which is outrageous. In total I was charged XXXX dollars in overdraft fees! This is really excessiveand I was asking to please remove thosefrom my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CURRENT CREDIT REPORTS. I'VE NEVER RECEIVED ANY TYPE OF NOTIFICATIONS IN REGARDS TO THE INVESTIGATIONS RESULTS. IT HAS BEEN WELL OVER THIRTY DAYS. ALSO I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE A RESPONSE.

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 2021-12-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
On XX/XX/XXXX, my account was debit {$750.00} that was immediately taken out my balance, and put in pending transactions. On or around XX/XX/XXXX, the transaction posted to my account. On XX/XX/XXXX, TD Bank took an additional {$750.00} out of my available balance, then posted the same transaction as being posted on XX/XX/XXXX. There is no record of what happened. I am owed {$750.00}. I'm told that I need to dispute the transaction. The issue is the fact that the bank took it out of my available on XX/XX/XXXX, then took it out again on XX/XX/XXXX. The {$750.00} was never put back in to be taken back out. I'm out of money owed

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-10 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc

Complaint narrative:
Over a year ago, I've upgraded my PayPal account from personal to business. I had to varify my account. I was able to do this due to technical issues. I called Paypal multiple times about this. Eventually, Paypal terminated my account as a result and they refuse to give me my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-10 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 — Was not notified of investigation status or results
Company: CAPITAL ONE FINANCIAL CORPORATION
State: DE

Complaint narrative:
I am very upset with this issue. I sent a letter to CAPITAL ONE last XX/XX/2021 regarding inaccurate accounts on my report. It is now 45 days and I have not received a repsonse. I did my research and I am for sure that the credit bureaus have 30 days to reply back and they have not. I know that failure to respond is grounds for immediate removal.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: PNC Bank N.A.
State: PA

Complaint narrative:
I was instructed by PNC BANK Mortgage Loan Officer XXXX XXXX ( XXXX ID XXXX ) to complete a Homebuyers course offered by XXXX XXXX. Upon completion of this course that took multiple hours to complete, I was promised a {$1000.00} grant. I passed the course with a XXXX score, and received a certificate indicating I completed the course. As of XX/XX/21, PNC Bank refuses to honor this agreement, because they decided on that day that they will not proceed with my loan application. PNC Bank has lied and reneged on my loan application two times in the past 90 days, and now they refuse to honor the compensation that was agreed upon for my participation and completion of this course. I want the money that is owed to me for my cooperation and time.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
money is missing out of my account. My balance was {$6600.00} when I went to sleep. a {$4900.00} payment was applied. No transactions came in. When I woke up, my balance was missing approximately $ XXXX. I attempted to dispute the matter. The banker stated that he see where there may be about {$450.00} due back. I called to check status, and was advised that nothing will be refunded. I am missing money from my account.

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 2021-12-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: NAVY FEDERAL CREDIT UNION
State: PA

Complaint narrative:
In the month of XXXX of 2021 I tried to reopen my business account with Navy Federal. It was closed do to non active business and in order to open the account there was balance of {$29.00} for charge of and that payment was made. They uninformed me that I would need to submit new documents showing good standing and XXXX in which I did. After providing documents was told that I was unable to open account need assistance with procedure on how to fix issue.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-10 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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
XXXXXXXX XXXX is reporting me 30-60 days late because of wrong information. 

The company XXXX stated they processed my XX/XX/2020 loan payment on XX/XX/2020. 

I made XX/XX/2020 payment to XXXX mortgage company on XX/XX/2020 as my bank statement shows. 

I made my XX/XX/2020 payment on XX/XX/2020 to XXXX as my bank records show. 

I was then placed on XXXX XX/XX/2020. 

XXXX XXXX XXXX does not reflect the XX/XX/2020 payment. 
What happened to the XX/XX/2020 payment? 

What payment was 30-60 days late? 

Thank you, 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 non-monetary relief
Consumer complaint received 2021-12-10 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 — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
XXXXXXXX XXXX  is reporting me 30-60 days late because of wrong information. 

The company XXXX stated they processed my XX/XX/2020 loan payment on XX/XX/2020. 

I made XX/XX/2020 payment to XXXX mortgage company on XX/XX/2020 as my bank statement shows. 

I made my XX/XX/2020 payment on XX/XX/2020 to XXXX as my bank records show. 

I was then placed on XXXX XX/XX/2020. 

XXXX XXXX XXXX does not reflect the XX/XX/2020 payment. 
What happened to the XX/XX/2020 payment? 

What payment was 30-60 days late? 

Thank you, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-10 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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XXXX XXXX is reporting me 30-60 days late because of wrong information. 

The company XXXX stated they processed my XX/XX/2020 loan payment on XX/XX/2020. 

I made XX/XX/2020 payment to XXXX mortgage company on XX/XX/2020 as my bank statement shows. 

I made my XX/XX/2020 payment on XX/XX/2020 to XXXX as my bank records show. 

I was then placed on XXXX XX/XX/2020. 

XXXX XXXX XXXX does not reflect the XX/XX/2020 payment. 
What happened to the XXXX XXXX, 2020 payment? 

What payment was 30-60 days late? 

Thank you, 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 2021-12-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: ID Analytics, Inc.
State: CA

Complaint narrative:
Pondered & later applied for credit to buy a car. I have outstanding credit scores from the " Big 3 '' bureaus. Was denied credit based on a report by SageStream ( now XXXX? ) Made request for credit report to determine problem. Letter from XXXX indicated " unable to process request ''. Made numerous phone calls... no response ; not XXXX. 
Letter from XXXX " encouraged '' me to resubmit credit report request. This I attempted, several times. EVERY time received the following response " An internal system error has occurred and we are not able to process your request. Please try again later. '' This has been over a 2-week period. 

I find this outrageous. Where is the CFPB on this? When I search the internet I find numerous complaints against SageStream. What's it take to get action on this?

Company response to consumer: Closed with explanation