vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-04-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
There was a chapter XXXX bankruptcy filed in XX/XX/2013. There was an inaccuracy in the filing. I have requested the chapter XXXX be removed from my report multiple times. It has been removed from XXXX  and XXXX but is still on my Experian report. I would like for it to be removed from my Experian report.

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 2021-04-13 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Incorrect information on your report — Information belongs to someone else
Company: Risecredit, LLC
State: NM

Complaint narrative:
Rise/ECS has account opened on XXXX for a unsecured loan in the amount of {$2500.00} using my identity fraudulently. The account in question was charged off on XX/XX/2021 totaling {$4400.00}. Dropping my credit score 60 points or more. I sent a certified letter to " Rise/ECS on XX/XX/2021 informing them I was a victim of identity theft and requesting verification of the initial contract, and that this account is inaccurate. The certified letter was received on XXXX XXXX. I also sent certified letters to the 3 credit bureaus XXXX XXXX XXXX on XX/XX/2021. I received a follow up email on XX/XX/2021 stating : Please Note Rise Credit is the original creditor for my Rise Loan and is not required by the Fair Debt Collections Practices Act ( FDCPA ) to validate debt for any Rise/ECS accounts. Since, then I sent another certified letter to Rise/ECS on XX/XX/2021 it was signed for on XX/XX/2021. Follow up letter was received on XX/XX/2021 dated XX/XX/2021 stating the following : Thank you for notifying us of your concerns regarding an account opened in your name at XXXX. We reviewed the documentation you sent us and our investigation results dated XX/XX/2021 determined that this account was not opened fraudulently. I also advised the 3 credit bureaus XXXX XXXX XXXX XX/XX/2021 to delete this account from my credit reports because it was fraudulently and inaccurate. XXXX is actively requesting Rise/ECS to remove this inaccurate information from my credit reports. Also, XXXX  has removed all Rise/ECS inquiries from my credit report. Along with providing freeze protection on my XXXX  credit file without hesitation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IN

Complaint narrative:
I entered a consumer credit transaction with capital one. I use my credit card pursuant to 15 usc 1602 ( l ) and granted them the right to extend my credit to me. In addition capital one started to send me deceptive forms pursuant to 15 usc 1692j with a statement posting a positive balance and doing unfair practices collecting on an alleged debt that has a finance charge pursuant to 15 usc 1605 which is the some of all charges including interest rates. I sent out a cease and desist letter to capitol one and they keep sending me statements via the capital one app

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-13 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: BAM Management US Holdings Inc.
State: WI

Complaint narrative:
I became a member of Binance.US in the begining of XXXX and deposited XXXX dollars over thtrough the first ten days of XXXX when, i got a chargeback, which happened XX/XX/XXXX, it took until XX/XX/XXXX to get that resolved after multuple attempts to resolve it and multuple attempts to get ahold of customer service. I have tried to cash out of of all my crypto currency multuple times and also tried to buy crypto to add to my portfolio, i feel like this whole process has cost me XXXX  of dollars on top of what i invested, they have not helped, nor have they responded to any of pleas for help, this is a lot of money to me and i just want to get it out, please help me

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-13 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: Santander Consumer USA Holdings Inc.
State: NJ

Complaint narrative:
Santander bank is reporting four hard inquiries on my XXXX  credit report. I did not apply for credit with Santander. I have called them to dispute this but they have not responded.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-13 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

Complaint narrative:
PayPal closed my account for no reason and will not help me with getting it back up that's the first issue and now the second issue when there is a complaint in one of my buyer how could I respond and proceed for a refund if my account is currently 180 days on hold they quickly change the reason why it is 180 days limited because of the buyer issue at first there is no reason why it is closed or limited until I receive an issue on my buyer how could I respond to that issue if I have no chance to do since when the buyer filed a issue when my account is currently limited for 180 days I have no chance to defend myself as a seller and I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for months but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal is XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
My Name is XXXX XXXX my email is XXXX. My Cell number is XXXX. I have been a chase mortgage customer since XXXX of 2009 Chase keep denying my refinance loan first they claim their processing fee was too high. Now they claim my student loans even though I gave them a mortgage letter that shows them how much I pay monthly that I am in an income driven program and all student loan will be forgiven after 10 years of payments. I have been their customer for 11 years and I have the same student loans for 8 of those 11 years. My credit score is in the high 700s no other major debt. The loan is only {$50.00}, XXXX. If they decline my refinance which would actually make the payments lower and easier I would still remain their client because I am already a chase mortgage customer. This makes no sense at all to me and no one as a straight forward answer. I believe this is common practice of chase to prey on minorities. I have already pull a case that they have done this in another state. Something needs to be done. I have 11 years of on time payments with this bank. Why would you deny a defiance to a customer already a client for me simply for one reason to leave the customer with a higher interest paying loan because after the denial I am still your customer what is the risk for the bank?????

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-13 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: MI

Complaint narrative:
Experian and XXXX reporting false information after dispute filed by my self and XXXX XXXX, all documents sent for proof of false information filed of bankruptcys

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 2021-04-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I recently pulled my credit report i have two accounts that are old and keep reappearing on my credit report. They are old and have surpassed their removal date by over 6 years. this is illegal and its effecting me greatly. These accounts need removed listed below XXXX- SHOULD HAVE BEEN REMOVED XX/XX/XXXX XXXX- CLOSED IN XXXX YET ITS STILL REPORTING

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: WELLS FARGO & COMPANY
State: KY

Complaint narrative:
I applied for a credit card with Wells Fargo on XX/XX/XXXX. I didn't receive an immediate decision and received an e-mail on XX/XX/XXXX stating I was denied due to no bank cards open in the past 6 months. I called Wells Fargo because that made no sense because I closed my XXXX XXXX  card on XX/XX/XXXX, which I've had for quite some time and still had an open balance on. I applied for the WF CC so I could do a balance transfer. 

I called WF and asked if I were to get a denial letter also in the mail. ( Once I received the denial letter it said no open bank cards and no open bank cards in the past 6 months ). I also called XXXX  as that is who they use and confirmed my XXXX account was reflecting ( I have the paper copy now ). I explained to WF I have perfect credit ( no missed payments ) and have a long credit history ( I am XXXX ). I've previously had car notes, a mortgage, and a number of credit cards. I only have one card with a balance and that is my XXXX XXXX.My XXXX  credit score is currently reflecting as XXXX. When I had a home loan it was over 800. WF opened an executive complaint and I was given the case number and told to expect a resolution by XX/XX/XXXX. On the morning of XX/XX/XXXX I received an e-mail they needed more time to review my issue and to give them until XX/XX/XXXX. I called on XX/XX/XXXX but they couldn't do anything. On XX/XX/XXXX nothing had been resolved and I had received no communications so I called again. The man I spoke with said the person 's name handling my complaint was XXXX. I also had XXXX 's number and left a message to call me today and I have not heard anything and it's now the XXXX. 

Someone needs to seriously look into WF practices in regards to fairness in credit card applications. I have worked my whole life to maintain outstanding credit and I really don't appreciate the way I've been treated.

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 2021-04-13 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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$3200.00}, {$1900.00}, {$2900.00}, {$690.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- OPEN ACCOUNT 1. XXXX/XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3200.00} -This is not my account. 


-- CLOSED ACCOUNTS 2. XXXX/XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1900.00} -This is not my account. 

XXXX. XXXX XXXX XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2900.00} -This is not my account. 

4. XXXX XXXX XXXX/XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$650.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Risecredit, LLC
State: CA

Complaint narrative:
Installment RISE LOAN ( Account number ) XXXX ( Amount XXXX {$3600.00} COmpany Rise credit or Rise Loan LOAN defaulted XXXX possibly XXXX XX/XX/XXXX and STILL remains on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: GUARANTEED RATE INC.
State: ID

Complaint narrative:
An end of the year escrow analysis was done on my mortgage by Guaranteed Rate. It was determined that they owed me an escrow refund of {$580.00} which was supposed to be sent on XX/XX/2021. 
I have yet to receive the check and have called the company 10+ times and have easily talked to 20 different customer service agents including supervisors and supervisors of supervisors. They have claimed to reissue the check several times but then will later backtrack that sentiment. 
It has now been 90 days, I have wasted a ton of time, and exhausted all my options.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-13 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: ALLY FINANCIAL INC.
State: NJ

Complaint narrative:
I have six inquiries from ALLY Financial on my XXXX  credit report. I never applied for credit with this company. I called them on XX/XX/2021 to dispute these inquiries. I was told they will work on removing them and gave me reference # XXXX. As of XX/XX/2021 the inquiries are still on my XXXX report.

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 2021-04-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bread Financial Holdings, Inc.
State: GA

Complaint narrative:
Victoria Secret has not sent any validation that this debt is indeed mine showing a wet signature. I have no binding contract with this company. I sent numerous letters via certified mail and received no validation of the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-13 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: Affirm Holdings, Inc
State: NY

Complaint narrative:
I recently made a purchase on XX/XX/2021, using Affirm as my method of payment at a sportswear company. Affirm stated that any purchase I made with the sportswear company would get 20 % off, and that the discount would apply automatically. I made a purchase of {$100.00}, expecting that Affirm would only issue a loan for the amount of {$80.00}. However. Affirm issued a loan for the full {$100.00}, without any mention of taking of the {$20.00} at any point. 

Despite repeated inquiries to the customer service team and even taking a screenshot of the 20 % discount offer ( which was prominently featured on Affirm 's website - I even made the purchase by using the button that appear on their site XXXX, they have been unresponsive and unhelpful with changing the original term of the loan from {$100.00} down to {$80.00}. 

Affirm was deceptive in its initial marketing offer and has issued me a loan for more than what I was willing to accept. Despite their advertising claim that their discount would be automatically applied, I see nothing in the loan documentation or company communications stating this issue will be fixed. 

Affirm has stated that the mistake was on the merchant side and that only the merchant could fix it. However, after contact the sportswear company, they have stated that the problem is with Affirm. I actually agree with the merchant because the original offer and advertisement came from Affirm, not the sportswear company.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-04-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I recently pulled my credit report i have two accounts that are old and keep reappearing on my credit report. They are old and have surpassed their removal date by over 6 years. this is illegal and its effecting me greatly. These accounts need removed listed below XXXX- SHOULD HAVE BEEN REMOVED XX/XX/XXXX XXXX- CLOSED IN XXXX YET ITS STILL REPORTING

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 2021-04-13 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: NJ

Complaint narrative:
I have six inquiries from XXXX XXXX on my Experian credit report. I never applied for credit with this company. I called them on XX/XX/2021 to dispute these inquiries. I was told they will work on removing them and gave me reference # XXXX. As of XX/XX/2021 the inquiries are still on my Experian report.

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 2021-04-13 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
I have three hard inquiries on my XXXX  credit report from Bank of America. I did not apply for credit with this company. I called XXXX  and bank of america to dispute the inquiries but have not had any 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 explanation
Consumer complaint received 2021-04-13 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: SC

Complaint narrative:
The short of it is the credit reporting agencies are practicing unfair practices. For nearly 120 days this has been what it has been like for me. My story : Prior to XX/XX/2021 I had 12 or more credit cards, a car loan, student loans, personal loan. And credit card utilization of 70 % at any point and time prior to XXXX. Important note, NO LATE PAYMENTS IN FIVE OR MORE YEARS ON ANY ACCOUNT. 
Late XXXX, I paid all credit cards down to less than 10 % utilization. ALL of them. 

My credit score went up about 30 points on XXXX  and Equifax. For XXXX  it increase by more than 100 plus points. Roughly ten days later, for no reason known to me XXXX  change my score to within ten points of the other credit bureaus, reducing the score by 100 points. Again no change to any account and XXXX  just reduced it. 

Next I paid off my personal loan. No late payments on life of loan. My credit score DROPPED by 6 points for paying the personal loan off. 

Just to see what would happen, on a credit card with and already 9 % utilization I made a {$40.00} purchase. My score dropped by 4 points for the {$40.00} charge.

I paid {$140.00} on the same credit card a few days later. My score did not change at all.

I next paid off my car loan. My score dropped by 10 to 12 points. No late payments. Just paid it off. 

My point is I gain few points for on-time payments. I lose point for using the credit cards even if balances remain below 10 %, and I lose points for paying credit cards or other type loans. 

I can not win. I am a XXXX man. My wife, who is white, paid down her credit card balance but remain about 30 % utilization and she gain several points. Her score is higher than mine right now and her utilization is higher. Her debt to income is higher.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-13 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: SC

Complaint narrative:
The short of it is the credit reporting agencies are practicing unfair practices. For nearly 120 days this has been what it has been like for me. My story : Prior to XX/XX/2021 I had 12 or more credit cards, a car loan, student loans, personal loan. And credit card utilization of 70 % at any point and time prior to XXXX. Important note, NO LATE PAYMENTS IN FIVE OR MORE YEARS ON ANY ACCOUNT. 
Late XXXX, I paid all credit cards down to less than 10 % utilization. ALL of them. 

My credit score went up about 30 points on XXXX  and XXXX. For Experian  it increase by more than 100 plus points. Roughly ten days later, for no reason known to me Experian change my score to within ten points of the other credit bureaus, reducing the score by 100 points. Again no change to any account and Experian just reduced it.

Next I paid off my personal loan. No late payments on life of loan. My credit score DROPPED by 6 points for paying the personal loan off. 

Just to see what would happen, on a credit card with and already 9 % utilization I made a {$40.00} purchase. My score dropped by 4 points for the {$40.00} charge.

I paid {$140.00} on the same credit card a few days later. My score did not change at all.

I next paid off my car loan. My score dropped by 10 to 12 points. No late payments. Just paid it off. 

My point is I gain few points for on-time payments. I lose point for using the credit cards even if balances remain below 10 %, and I lose points for paying credit cards or other type loans. 

I can not win. I am a XXXX  man. My wife, who is XXXX, paid down her credit card balance but remain about 30 % utilization and she gain several points. Her score is higher than mine right now and her utilization is higher. Her debt to income is higher.

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