vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-07-28 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: Paypal Holdings, Inc
State: NJ

Complaint narrative:
{$110.00} was charged to my Venmo debit card on file with XXXX as one of my options for paying. 

I received products from XXXX which clearly shows on their site had been cancelled months earlier as a reorder. 

I have exhausted all mean and months of time to have XXXX send a call tag for their product or I will keep it and want a refund. They refused my refund and referred me to Venmo. 
Venmo gave me three conflicting reasons for denying my refund and declined in favor of XXXX. 
I filed with XXXX  and OAG consumer Affairs WA and XXXX issued the same exact form response. I have reached out countless times to Venmo and no response it is over XXXX months and I need my money. Thank you for helping I feel I am being bullied by both. {$11000.00} is a lot of money. I did not order these items. They have admitted sending without my permission

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-28 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: NV

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

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I received a letter from Chase, stating there was a lapse of home coverage insurance. 
I immediately got XXXX to issue me a policy and contact their insurance department with proof of insurance and the representative from Chase says that I had 30 days to rectify the problem, which I did immediately, I have no idea what happened from prior insurance. but apparently they canceled insurance or they were not going to renew it, I did not receive no letter or communication from Chase stating to the fact there was no insurance at my house, I only receive one letter saying that I had 30 days to rectify this problem which I immediately did, two weeks from that I received another letter from Chase stating they were going to charge me {$240.00} for not having insurance from XX/XX/2021 to XX/XX/2021. this is so wrong in so many ways. they're looking for ways to nickel and dime you for-profits. I hope someone can learn from my experience from Chase and dome back with them I'm going to try to refinance and go to a different bank preferably a local bank, with the more personal and understanding policies towards consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-28 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: TN

Complaint narrative:
These accounts are not mine. According to USC 1695 and FCRA along with FDCPA rights, any unauthorized and fraudulent activities must be removed and blocked from reporting to my credit reports. I have attached documentation of the letter that was sent to the furnishers on XX/XX/2021. They are still contacting me and this was shown up on my Equifax credit report. I will sue them if they continue to collect debt that is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: TX

Complaint narrative:
This is a longstanding complaint dating to 2016 but I could no longer find it in your database for some reason. The complaint number is XXXX against XXXX. Since XXXX is in bankruptcy we are seeking help from their Corporate Restructuring Committee which is tasked with solving issues like these in the bankruptcy court. We ish to CC you and also will CC the XXXX XXXX XXXX XXXXXXXX and XXXX  XXXX and XXXX since they are involved. The attached file contains the original CFPB complaint and describes the issues.

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 2021-07-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I do not know how this works, but I need it done or somehow corrected. My name is XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX FL XXXX DOB XXXX SS XXXX I had some issues with my income being affected by the COVID-19PANDEMIC SHUTDOWN. I was under the 1 CARESAct, Pub. L. 116-136, section 4021, codified at FCRA section 623 ( a ) ( 1 ) ( F ) ( i ) ( I ), 15 U.S.C.1681s- 2 ( a ) ( 1 ) ( F ) ( i ) ( I ). I am requesting some accommodations so I care to protect the integrity of my credit file. 
XXXX XXXX XXXX # XXXX account is reporting 120 DAYS LATE on XXXX XXXX since I requested assistance due to the pandemic. I am shocked that this has happened when I had already been in contact with the XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX, I was told that my account would be fine and no late payments would be reporting. The office of XXXX XXXX XXXX WAS ACTUALLY CLOSED during the pandemic so I am having a hard time trying to understand how the late updates were even reported when no one was even in the building

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I do not know how this works, but I need it done or somehow corrected. My name is XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX FL XXXX DOB XXXX SS XXXX I had some issues with my income being affected by the COVID-19PANDEMIC SHUTDOWN. I was under the 1 CARESAct, Pub. L. 116-136, section 4021, codified at FCRA section 623 ( a ) ( 1 ) ( F ) ( i ) ( I ), 15 U.S.C.1681s- 2 ( a ) ( 1 ) ( F ) ( i ) ( I ). I am requesting some accommodations so I care to protect the integrity of my credit file. 
XXXX XXXX XXXX # XXXX account is reporting 120 DAYS LATE on XXXX XXXX since I requested assistance due to the pandemic. I am shocked that this has happened when I had already been in contact with the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX, I was told that my account would be fine and no late payments would be reporting. The office of XXXX XXXX XXXX WAS ACTUALLY CLOSED during the pandemic so I am having a hard time trying to understand how the late updates were even reported when no one was even in the building

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 2021-07-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: HOMESTEAD FUNDING CORPORATION
State: NY

Complaint narrative:
On XX/XX/21, I contacted XXXX XXXX with Homestead Funding ( XXXX ) by phone to inquire about interest rates to refinance my mortgage. I was very specific that I was in the process of comparing rates with banks and closing cost fees. I provided him my credit score that I had run through XXXX  on XX/XX/21. He collected all of my contact and personal information and said he would send an email with the rates and terms he could offer. 

A couple hours later I received an email from his secretary/assistant ( XXXX XXXX ) with a lengthy list of items that they wanted to me submit, including drivers license, SS card, past 2 years of W2 's, income taxes, 2 months of bank statements and pay stubs, etc. I emailed the assistant and XXXX reiterating I was only looking to compare rates and closing costs if I were to pursue a loan with Homestead Funding ... .and did not think that information was necessary for an estimate. 

A week later I received a credit score report from Homestead Funding mailed to my home address. I contact XXXX via phone and email and told him I never consented to a credit inquiry. He reassured me it was a " soft credit pull '' and would not affect my credit score and did not need consent for him to do. I also emailed him a copy of the credit report I received in the mail. He insisted it was a soft inquiry.

On 7/8 I checked my XXXX  account and realized Homestead Funding made a hard credit inquiry on XX/XX/21. I contacted XXXX with that documentation and reiterated that this was done without consent. He continued to insist it was a soft credit pull but he would have it removed. 

Since then, I've repeatedly emailed XXXX telling him this has not been removed and I would pursue filing a complaint if it is not remediated. 

On XX/XX/21 I received an email response from XXXX 's email address but it says the following : Hello XXXX, My Name is XXXX XXXX and I am monitoring XXXX  Emails as he does not work here any longer as he has moved out of state. Please call me at XXXX so I can go over with you. 

Look forward to speaking with you. 
Thanks I find this suspicious. I have not responded nor called XXXX XXXX. The unauthorized credit inquiry made by Homestead Funding has not been removed from my credit report to this day.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-28 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: AR Resources, Inc.
State: TX

Complaint narrative:
I have continually had AR Resources list medical bills that are paid by my XXXX. I have no copay after medicare. I had two XXXX XXXX plans at the time, they have only billed one. 

XX/XX/XXXX Talked to XXXX - then called medical provider. Medical provider had to call XXXX and get collections removed. 

XX/XX/XXXX Call out to AR Resources - spoke with XXXX - talked to a supervisor, he said only one insurance was billed. He said they would remove from credit and would put note on my account so it wouldn't happen again. His supervisor did verify all the information.. 

XX/XX/XXXX Call to AR Resources XXXX XXXX - said he saw the issue and would get a supervisor. Phone disconnected I called back several times, last time left a message and no response. 

I did contact medical provider, they said it should not be happening. AR Resources has the information for billing. XXXX said it looks like its an issue with AR handling the billing. They put another note on my file. 

I was in the middle of buying a house and have had to call every month. This is a major inconvenience for me and affected me buying a home.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-28 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Collection Management Services, Inc.
State: TX

Complaint narrative:
I requested for Collection Management Services to not contact me regarding my account. I added a dispute by email on Monday, XX/XX/XXXX. XXXX from Collection Management Services contacted me on XX/XX/XXXX regarding the account after I put the account in dispute and requested them not to call.

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 2021-07-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Brightfunders, LLC
State: AZ

Complaint narrative:
I refinanced and took a cash out loan on my home financed with XXXX XXXX XXXX XXXX on which there was a low remaining balance. My payment history was perfect and my credit scores with the three major credit reporting agencies ranged between XXXX and XXXX. I have spent a lifetime building that credit history. I am considered lower income, elderly, and XXXX, but have perfect credit. The closure on my refinance application was very short. I received coupons to make two payments on the loan, the first of which was due on XX/XX/2021 to my primary lender, Homeside Financial. I immediately made the first two months ' payments. The checks were cash on XX/XX/XXXX by Homeside, as documented in attachments. Within days, I received a notice from XXXX XXXX that they had purchased my loan and assigned it to XXXX XXXX. I was assured that I had no tasks before me, that any payments would be automatically credited to XXXX. I received those assurances from Homeside, XXXX, and XXXX XXXX. Homeside refused to transfer the payments to XXXX, and XXXX refused to pursue the issue with Homeside. After complaints to XXXX XXXX and multiple email contacts with Homeside, XXXX acknowledged receipt of the money from Homeside on XX/XX/XXXX, with the notation on my account that the payment was 22 days late. I was assured by all three agencies that my payments from Homeside to XXXX by law needed to be transferred and credited when paid, and I had nothing to do whatsoever, that the process would proceed smoothly and without incident. I now have a fraudulent entry on my account and credit history. In addition, the principal should have been credited with the payments on XX/XX/XXXX, when tracking ( attached ) indicates the payments were deposited into the account of Homeside. I have a considerable amount of interest on the principal to which XXXX  has refused to credit my account. All of those issues are violations of the agreement between Homeside and XXXX XXXX, the law, and my written contract. Homeside has been unwilling to correct any issues relative to the results of their fraud.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: MO

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

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-28 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: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
Synchrony Bank/PayPal Credit Line has been contacted via myself more than 12 times concerning the issue with misreporting information on my credit report as numerous calls have been endured explaining the issues at hand and they always accept fault and promise to address the complaint in full force. They continually lie with false acts of calling the credit bureaus personally asking for the removal of said notations as well as notifying them that they reopened the credit line without notice, now that they have assumed fault for the late payment referenced on said credit report. They did this also on my physical credit card, separate of the credit line, but never did so on the other account. They changed their statements to electronic records and not paper documents without notice as they had actually advised me of the mistake. They agreed to remove but since the first communication was that of XX/XX/XXXX, and I am spending hours daily on the phone with customer service as now I am told they are mailing me copies of the adjustments and they repeatedly have sent surveys on their performance instead. This has held up loans and a mortgage as well as over 128 hours in phone calls, email correspondence and lawyer consults in order to reach a just decision, yet they continue to threaten me and challenge credit disputes stating that the account is not even open. Meanwhile I took a picture of the account as well as the activity and sent to each credit reporting agency as documented proof that I am in good standing and no response has been received from them as well even though I am now a paying customer of all three of them on a monthly subscription. I do not wish to have the credit line closed but I do want the actions of Synchrony Bank/PayPal Credit Line to be dealt with in a serious pursuit of damages and removal of any negative remarks instantly upon receipt of this complaint as damages will be pursued by my two retained counselor firms for said fraudulent activities of the organizations involved. False reporting of credit activity is a crime under federal law as well as opening credit accounts without approval or said notification. These facts are well documented as well as their responsibility in numerous denials because of said notations and the three months it has taken to receive no help whatsoever concerning the issue although they continue to accept blame. My last contact with Synchrony Banl/ PayPal Credit Line was on XX/XX/2021 when the customer service agent refused to forward me to a manager and denied accomodations to myself in reasonable fashion as to why the notes in the system read back to me are not reflected in the actions of the company.

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 2021-07-28 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: PENTAGON FEDERAL CREDIT UNION
State: TX

Complaint narrative:
I suffered hardship due to XXXX. I was unemployed and my family and I battled XXXX. In XXXX of 2021, I was offered a 3-month payment plan until XX/XX/XXXX of 2021. I started with my 1st payment in XX/XX/2021 and each month until XX/XX/2021. I was charged a late fee each month. My balance hasn't changed to reflect any payments. 
I contacted the Credit union and was told that the payments go towards the end of the loan. That I would not be seeing any changed in the balance owed.

I have submitted a new application because the State of Texas has ended unemployment back in XXXX and I'm still awaiting a decision on this matter with Penfed. 

I would like to know about getting this resolved and the payments made reflect on the 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 2021-07-28 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: NJ

Complaint narrative:
I did not consent to, authorize, nor benefit from any of the following inquiries. This is a violation of 15 USC 1681 ( a ) ( 4 ) right to privacy and 15 USC 1681b ( f ) reporting inquiries without my authorization or permissible purpose. I would not be going through a FTC report if this was not an error. Please block and remove them immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - XXXX : XX/XX/XXXX : {$320.00} - XXXX : XX/XX/XXXX : {$320.00} - XXXX XXXX XXXX XXXX : XX/XX/XXXX : {$440.00} - XXXX XXXXXXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX : {$940.00} - XXXX XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX : {$940.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-28 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: NJ

Complaint narrative:
I did not consent to, authorize, nor benefit from any of the following inquiries. This is a violation of 15 USC 1681 ( a ) ( 4 ) right to privacy and 15 USC 1681b ( f ) reporting inquiries without my authorization or permissible purpose. I would not be going through a FTC report if this was not an error. Please block and remove them immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX : {$320.00} - XXXX : XX/XX/XXXX : {$320.00} - XXXX XXXX XXXX XXXX : XX/XX/XXXX : {$440.00} - XXXX XXXXXXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX : {$940.00} - XXXX XXXX XXXX XXXX XXXX XXXX  : XX/XX/XXXX : {$940.00}

Company response to consumer: Closed with explanation