vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-06-02 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: OH

Complaint narrative:
I have reached out to XXXX and equifax about this issue 3 times now. 

XXXX XXXXk is reporting incorrect information on my credit report. I have asked the credit bureaus 3 times now to verify or remove the info. I've even pointed it out to them that the info is inaccurate. 

They refuse to validate the account or make any updates to it. 

You can see that the following items are incorrect. 
Acct Type-Detail Date Opened High Credit Balance Credit Limit Past Due Date Last Active Date of Last Payment I have asked for proof of the above information and I've also asked that they ensure it's all reporting accurately or to DELETE the acct from my credit report. They will not do either. 

I am attaching all letters that i have sent to the credit bureaus as well as an updated image of the item that is reporting on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-02 00:00:00
Product: Debt collection — Mortgage debt
Issue: Communication tactics — Frequent or repeated calls
Company: Shellpoint Partners, LLC
State: MN

Complaint narrative:
I was contacted about a week ago by Shellpoint Mortgage Servicing. The representative did not say she was attempting to collect on a debt and did not read a mini-Miranda. I asked if it was a debt collection attempt and the rep refused to answer the question. At this point, I had received no communication from Shellpoint. The rep insisted I give her personal information without any justification. I asked why and she said Shellpoint had my mortgage. She asked me for my address despite saying Shellpoint had acquired my mortgage - at this point I assumed this was a phishing attempt since any mortgage company with my mortgage would already have my address. When she told me they had sent me several letters, I assumed it was a scam because I had received none. I asked them to not contact me until I received a letter since I had no way to know if this was a legitimate call or not. They continued calling me daily despite this. I did not pick up. 

I consider this to be an abusive act/practice due to the lack of disclosure, lack of contact in writing and insistence that I reveal personal information to continue a conversation with no justification whatsoever. I am also offended my C & D request was not honored and that my insistence that the rep 's actions constituted a UDAAP violation were ignored.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-02 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: TX

Complaint narrative:
I have continuously contacted Experian as well as XXXX XXXX XXXX about this account that was part of a debt buying purchase. The account was initially opened with XXXX in XX/XX/XXXX when I purchased a 2007 XXXX XXXX. Last payment received XX/XX/XXXX and charged off XX/XX/XXXX. It was then sold to XXXX in XX/XX/XXXX, XXXX XXXX XXXX in XX/XX/XXXX and finally to XXXX XXXX XXXX in XX/XX/XXXX. I have contacted XXXX XXXX XXXX as well as Experian to advise them of incorrect credit reporting since XXXX XXXX XXXX is reporting currently that this is a new debt from XX/XX/XXXX so I am being denied credit to purchase a home because of this debt being re-aged. This clearly exceeds the guidelines outlined in the FCRA and yet neither company is taking any action to rectify this situation.

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 2019-06-02 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Unexpected or other fees — 
Company: Paypal Holdings, Inc
State: VA

Complaint narrative:
Without giving its customers any warning, Paypal recently redesigned it's app so that the default option of transferring money now carries with it a 1 % fee. The only notice of this is in teeny tiny print. Customers were never notified that this new feature had been installed. There is no way to reverse these charges and it's a " one-button '' transaction, so you are never asked : " Hey did you really mean that you wanted us to assess a service charge on this transaction? '' There is no way to adjust the app or your account so that this charge can be avoided. This is clearly an effort to assess fees on unsuspecting consumers. I urge CFPB to look into this incredibly sneaky way that Paypal is targeting unsuspecting consumers. People who are vision impaired in any way likely have no idea this is happening. Truly disgraceful behavior by Paypal.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-06-02 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: OH

Complaint narrative:
I have reached out to transunion and equifax about this issue 3 times now. 

XXXX XXXX is reporting incorrect information on my credit report. I have asked the credit bureaus 3 times now to verify or remove the info. I've even pointed it out to them that the info is inaccurate. 

They refuse to validate the account or make any updates to it. 

You can see that the following items are incorrect. 
Acct Type-Detail Date Opened High Credit Balance Credit Limit Past Due Date Last Active Date of Last Payment I have asked for proof of the above information and I've also asked that they ensure it's all reporting accurately or to DELETE the acct from my credit report. They will not do either. 

I am attaching all letters that i have sent to the credit bureaus as well as an updated image of the item that is reporting on my credit 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 2019-06-02 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
I opened a credit card with Best Buy at a local store for a purchase of a computer. I completed the application with a sales agent and was approved for the purchase there on the spot back in 2011. My statements were set up to be done online as my payments, have always been done online. I have since paid off that computer and have done numerous purchases and paid them off online as well. Not until recently that I have made larger purchases that I noticed my payments will not decrease the balance on my credit card, so I looked closely at the statements online and I noticed that I was being charged without my permission for enhanced card protection services. Needless to say I immediately called the company where they informed me to call to another 800 number. I called them directly as well and the service representative told me that she would submit my inquiry to cancel services and request a refund of the service charges that I had been done without my consent. A week later I received and email stating the following : " Because your account was protected by the program benefits through the end of the billing cycle in the month in which you cancelled, any previously billed fees are valid and non-refundable. '' How is this possible?!

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 2019-06-02 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: Santander Consumer USA Holdings Inc.
State: TX

Complaint narrative:
I have continuously contacted XXXX as well as XXXX XXXX  XXXX about this account that was part of a debt buying purchase. The account was initially opened with Santander in XXXX of XXXX when I purchased a 2007 XXXX XXXX. Last payment received XX/XX/XXXX and charged off XX/XX/XXXX. It was then sold to XXXX in XX/XX/XXXX, XXXX XXXX XXXX in XXXX of XXXX and finally to XXXX XXXX XXXX in XXXX of XXXX. I have contacted XXXX. XXXX XXXX as well as XXXX  to advise them of incorrect credit reporting since XXXX XXXX XXXX is reporting currently that this is a new debt from XX/XX/XXXX so I am being denied credit to purchase a home because of this debt being re-aged. This clearly exceeds the guidelines outlined in the FCRA and yet neither company is taking any action to rectify this situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-02 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: V and H Portfolio
State: TX

Complaint narrative:
I have continuously contacted XXXX  as well as Vance & Huffman about this account that was part of a debt buying purchase. The account was initially opened with XXXX in XXXX of XXXX when I purchased a 2007 XXXX XXXX. Last payment received XX/XX/XXXX and charged off XX/XX/XXXX. It was then sold to XXXX in XX/XX/XXXX, XXXX XXXX XXXX in XXXX of XXXX and finally to Vance & Huffman in XXXX of XXXX. I have contacted Vance. & Huffman as well as XXXX to advise them of incorrect credit reporting since Vance & Huffman is reporting currently that this is a new debt from XX/XX/XXXX so I am being denied credit to purchase a home because of this debt being re-aged. This clearly exceeds the guidelines outlined in the FCRA and yet neither company is taking any action to rectify this situation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-02 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: MI

Complaint narrative:
Hello, this my second complaint. It is very disappointing that Equifax is not following the law. I have asked on multiple disputes for Equifax properly dispute the accounts in question. I have also asked Equifax to please send me a proper METHOD OF VALIDATION. I asked Equifax who they talked to, What email they sent to these furnisher, what was the dispute reasons, I asked Equifax to send me a copy of the responses the furnisher sent back. I also sent Equifax this ... ....

I recently received a response to a dispute that I made under FCRA 611 ( a ) regarding an erroneous items on my credit report involving a transaction. I was saddened to learn that you somehow verified the disputed item, electing to leave it on my report.

I am absolutely certain that the item I disputed is incorrect and unverifiable and should be removed, so I am hereby exercising my rights under FCRA 611 ( a ) ( 7 ) to request a complete description of all methods used to investigate my aforementioned dispute.

I am very interested to learn how your investigator ( s ) arrived at this erroneous conclusion. I would like to see a complete list of all documents and correspondence with.Please include all names and contact information of employees that you spoke to act as part of this investigation.

All previous letters and documents that I sent to you previously are once again attached along with this correspondence in order to help you process this request.

I am asking for this verification because my credit score is important to me, and I believe it is being unjustly degraded as a result of this unfortunate error. I would therefore request that you please do not send me a template letter in response to this request. I am in the process of planning a legal case, with  XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, MI XXXX so I need specific answers to the specific questions asked of you in this letter. 
I expect to receive a response within 15 days of receipt of this letter via U.S. Postal MAIL, or I will expect to see the item in question permanently expunged from my record. 
Thank you for your prompt attention to this matter. I very much look forward to getting this resolved as soon as possible. 
Very Respectfully Equifax continues to ignore my demands

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-02 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: SC

Complaint narrative:
Mailed in documents to Both XXXX and Equifax. Never received a response. I called both over the phone and initiated a dispute for several fraudulent accounts appearing on my credit report. I've received a noticed that the items were verified as accurate. I called back and each time was forwarded to a call center outside of the United States, and my documents weren't able to be verified. I've filed a complaint with the FTC, and a identity theft report. Please forward these documents to the appropriate department for processing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
Chase bank mistakingling i assume deposited my payroll checks from XXXX XXXX in the amount of XXXX and then my payroll checks in the amounts is over two hundred biweekly into my ex wives account instead if my correct account my ex wife has no financial association with me as i am now engaged and living with a new person these checks were able to escape my monitoring because i am so busy at work i can not always check my deposits but my fianc has brought this to my attention when i contacted chase they told me that i had to contact my ex and get tge money from her but i disagree she and i no longer speak nor would she give it back two three the bank is the one that made the mistake i was never listed a person on her account and should never had my funds taken I am tired of fighting with the bank i am now ready to take further measures this is not right

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Bay Equity LLC
State: CA

Complaint narrative:
In XX/XX/2017, I purchased my current home through Bay Equity home loans. I was assured at the time of purchase, that all taxes and Melo Roos were impounded. After a year of having the loan, I received a letter from my current mortgage company stating a shortage in escrow. I went over my loan documents and found out that my Melo Roos were never impounded, as stated. I then contacted Bay Equity home loans. They acknowledged the mistake and offered to fix the escrow shortage ... Which they did. Then I was promised they would refinance my loan free of charge to correct the mistake that was made on their behalf because they didnt want a bad loan on their company. After providing all the necessary information that was requested, I was informed that they couldnt do the loan because of my debit to income ratio. I was assured that this problem would be fixed and they said it was nothing they could do. The only thing that I want was the original loan agreement that my contract states. I feel that its unfair to me that they left out the Melo Roos, so I would qualify for the loan with out my knowledge. If possible can you please provide information on who should I contact to resolve this matter. 

Thank you

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-06-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
Mailed in documents to Both Transunion and XXXX. Never received a response. I called both over the phone and initiated a dispute for several fraudulent accounts appearing on my credit report. I've received a noticed that the items were verified as accurate. I called back and each time was forwarded to a call center outside of the United States, and my documents weren't able to be verified. I've filed a complaint with the FTC, and a identity theft report. Please forward these documents to the appropriate department for processing.

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 2019-06-02 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Some 3rd party fraudulent XXXX account made more than a dozen unauthorized transactions ( total close to {$20000.00} ) into my Chase savings bank account. These transactions spanned over a period of 6 months ( XX/XX/2018 - XX/XX/2018 ). 

Upon reporting ( on XX/XX/2018 ) to Chase bank about the fraudulent transactions, Chase returned roughly {$1800.00} back which fell in the first 60 days of the first unauthorized transaction. Chase notified me that they are not able to recover any additional funds beyond first 60 days because they have liability for 60 days only and that ideally I should have called them within first 60 days of the first transaction. Since then I have added additional alerts on my bank account to monitor it more closely. 

I called XXXX right away and reported those same transactions almost the same time as I reported to Chase. XXXX requested me to go back to Chase bank and ask Chase Bank to file ACH return request. XXXX assured that as soon as they received the ACH return request from Chase they will return all the remaining funds back to me. 

After multiple follow ups, Chase finally filed ACH late return request to return the funds to the originating bank. However, Chase filed these ACH late return requests with XXXX XXXX ( another bank which had pulled the money in the first place ) and not XXXX ( who is the merchant ). Multiple Chase bank representatives assured me that this is the right way to do it and this is the only way Chase bank can do it. 

It's been more than 2 months since the ACH late return requests were made to XXXX XXXX but they have not responded. Chase Bank waits for 2-3 weeks for XXXX XXXX to respond and after that makes a new request to recover funds. However till date XXXX XXXX has not responded and I have not received my money even though XXXX have told me that they will return all funds. 

I keep following up with both Chase and XXXX every 1-2 weeks but I'm not getting much luck with either one of them. Often times I get different confusing answers from both Chase and XXXX. 

Many tell me that the fact that XXXX XXXX is not responding to Chase is not normal. One bank   ought to respond when the other is trying to talk. 

I need help from Chase, XXXX and XXXX XXXX to get my {$18000.00} back.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-06-02 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: Credit Karma, LLC
State: CA

Complaint narrative:
Credit Karma ( www.creditkarma.com ) is an online service that provides free credit reports, tax preparation services, and offers for credit cards and mortgage financing. Among their partners are the credit bureaus XXXX  and XXXX. 

My credit reports are frozen at XXXX  and XXXX, as well as at XXXX. Yet Credit Karma has sent me messages about my credit card payments and usage, mortgage balance, and other information that should be soundly locked inside the credit bureaus. 

Credit Karma is not authorized by me to access my credit information. XXXX and XXXX are not authorized by me to share my credit information. So either Credit Karma is obtaining the information illegally or XXXX  and XXXX are violating the credit freeze and my privacy by providing my credit activity to Credit Karma. 

If this is being done to me, it is almost certainly being done to others, exposing my data to a third party and, potentially, to bad actors who might hack into their servers. This is a violation of consumer protections, undermines the purpose of credit freezes, and deserves immediate attention.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CITIBANK, N.A.
State: MA

Complaint narrative:
On XX/XX/XXXX at XXXX EST I called Citi about a credit card i had through them which was a XXXX XXXX affiliated card. I asked the representative to cancel my credit card to which I was told that " there is an issue with your account which prevents me from closing your account right now, may i instead credit your account for the annual fee instead? '' ( paraphrased slightly as I don't have this recorded. The representative then at my incessant demand managed to close my account without any hesitation or inquiry to another department to 'resolve the issue ' which supposedly existed. When pressed about the issue the representative told me that there infact was no issue, but rather this is a sales tactic they use to deceive consumers who are trying to close their 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 explanation