vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-12-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I started my refinance in XX/XX/XXXX. Chase said I was approved mid XXXX. The underwriters continue to request information, i.e. recent pay stubs. I have promptly given them EVERYTHING needed for this refinance. I have a great credit too. They have my current mortgage. By not closing on the loan, I am losing {$120.00} a month because my new rate is 2.65 % down from 3.75 %. I sent paystubs ( again ) a few days ago. Today, I am being asked why my income this time last year was more than this year. Seriously? I find Chase 's delay unfair, deceptive, and unneccesary. To me it seems, Chase is stalling me and just waiting for me to give in and not refinance so they can keep {$500.00} commitment payment and not give me the rate I was offered. I emailed Chase morgage lending executives and my service person 's boss on XX/XX/XXXX. No response. I spoke to the person who started the loan process and asked him for assistance also on XX/XX/XXXX. Nothing has changed. Chase underwriters continue to ask me for more documentationo. Do they have a legal obligation to close within a specific timeframe? I am at my wits end. And, I need guidance. Please assist. Thanks. Best, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-07 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Confusing or missing disclosures — 
Company: Paypal Holdings, Inc
State: AZ

Complaint narrative:
PayPal issued a purchased to be done through a loan they call Pay in 4. I was never notified on the matter. I could have made the payment in full and thought it was going through PayPal Credit but instead they did it through their own loan payment process. I was not notified of this. I was not notified of any payments needing to be made. There was no way to view it or see that I owe anything on their website. I have automatic payments set up through my PayPal account but they don't link them to it or anything so there was now way I could make a Payment or even know I owed anything They sent my information to a debt collections agency. When I called PayPal about it they had no idea about it. They couldn't even tell me where to view the transaction. They couldn't tell me where to view the balance. They couldn't tell me where to go to make payments. They weren't even sure which department to talk to. They even suggested I talk too the collections agency who they sent my personal information to ( without my authorization ) and talk to them about PayPal Processes. They had added fees to this without warning. They are saying that this will also be reported too the credit agencies. There was no authorization of this, no message from them or indication on the website about needing to make payments, and no help from PayPal to resolve this issue. This feels like a scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-07 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: AMERICAN HONDA FINANCE CORP
State: CA

Complaint narrative:
On the month of XXXX, my account for Honda Financial Services was no longer being reported to all three major credit bureaus because my account was removed for no specific reason. I called Honda Financial Services and the representative could not give me a clear answer as to why my account was removed. For that reason, my credit score dropped tremendously for all the credit bureaus. Yet, I was still being billed for the car and responsible for making payments on the Honda XXXX. Basically I should still be held accountable but not Honda. They do whatever is beneficial to the company. I then sent a letter to the credit reporting disputes headquarters of Honda in XXXX, Texas. They replied back by sending a letter. Within the letter it said that the credit reporting of my account would be updated to all three major credit bureaus. However, it's been more than six months since then and my account has not been reported to any of the credit bureaus. This is extremely frustrating to be taken advantage of by a company who claims to be helpful. That has not been true in my experience. It feels like I'm just throwing away money to a bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-07 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: BAM Management US Holdings Inc.
State: MA

Complaint narrative:
Company : Binance.US I began the process of registering an account with this company, and stopped when I realized they were collecting a significant amount of confidential private information ( SSN, ID, biometrics ), did not disclosure they were not regulated in my state of residence, and did not disclose the company has previously had a significant data breach. I stopped the verification process, and asked the company to please delete my account and confirm that personally identifiable information was deleted, since I had not completed the registration. 

The company has no phone number listed and wrote back one time in response to my 5-6 messages stating that are not willing to comply citing non-specific regulations. 

The company has not responded since XX/XX/XXXX. 

Im in the process of retaining a privacy attorney and that your organization can spare us this expense and reach a solution. 

XXXX needed to place credit holds on our accounts in the meanwhile. Fortunately we never linked our bank account to this organization but we are concerned about their negligence in safeguarding information, lack of transparency, and refusal to remove our information. 

Thank you for investigating. 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-07 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Phoenix Financial Services LLC
State: TX

Complaint narrative:
XX/XX/2021 THE COMPANY PLACED IT ON MY CREDIT AND IT IS NOT MY DEBT.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-07 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: PA

Complaint narrative:
My credit bureau scores dropped over XXXX points after I was incarcerated in XXXX I was the victim of ID fraud. 

There are dates of inquires that could not possibly have been made by myself as I was incarcerated. The bureaus are not removing these hard inquires. I did not approve nor make these inquires. mortgage inquires are counted as one Inquiry during a 30-45 period on one 's credit report. I have at least three inquires that are reported as mortgage-related. 

Mortage credit hard inquires on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, are false and would still only count as ONE inquiry If I had actually made the inquiries. 

ALL THREE CREDIT BUREAUS REPORT HARD INQUIRIES THAT WERE FRAUDULENT and the RESULT OF ID THEFT. I DID NOT MAKE THEM. I HAVE PROVIDED LEGAL DOCUMENTATION FROM THE DOJ AND FEDERAL DEFENDERS OFFICE TO NO AVAIL. 

I HAVE CHANGED ALL CREDIT CARDS AND NOTIFIED MY BANK THIS PAST 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 2021-12-07 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: Consumer Portfolio Services, Inc.
State: MD

Complaint narrative:
XXXX XXXX XXXX refused to remove acct XXXX Auto Loan there three different amounts on my consumer report And with this chargeoff acct I am unable to apply for anything do to this

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-07 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Collection notice for debt that does not exist by an entity that is known for fraudulent claims collections. This was dated XXXX for the amount {$13000.00}. The name addressed is not correct either. I also contacted the company the supposed debt was for and they had no record of any such debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-07 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: EQUIFAX, INC.
State: PA

Complaint narrative:
To whom this may concern, I'm reaching out in reference to the 3 major Credit Reporting Agencies who've been treating me with unfairness. I've contacted XXXX, Equifax and XXXX in writing as well as over the phone and requested that XXXX, XXXX and Equifax do an investigation on the hard inquires that furnishing my credit report, because they may be violating several laws that the federal law protects me against. XXXX, XXXX and Equifax are in violation of : 1. Civil Liability for Willful Noncompliance ( 15 U.S Code 1681n ) 2. Exclusions 15 U.S Code 1681a ( 2 ) The Federal law is above all laws and these 3 credit bureaus refused to comply with the law. Having these hard inquiries on my credit report has been stopping me from getting approved for housing for my XXXX children and me. I'm suffering from XXXX and XXXX because of my consumer report that's reporting transactions that I have the right of privacy to as well as transactions I never have consent to. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX because I can't get housing for my kids because of the hard inquires furnishing my credit report. I want to get this matter taking care of, and if it doesn't, I'll will go public and publish my book explaining how I'm now XXXX XXXX because of the credit bureaus acts of unfairness. Listed below is the hard inquires that's furnishing my credit report. 




XXXX Equifax XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX - XX/XX/XXXX Equifax XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Equifax XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX - XX/XX/XXXX Equifax XXXX XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-07 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: PA

Complaint narrative:
To whom this may concern, I'm reaching out in reference to the 3 major Credit Reporting Agencies who've been treating me with unfairness. I've contacted XXXX, XXXX and Experian in writing as well as over the phone and requested that XXXX, Experian and XXXX do an investigation on the hard inquires that furnishing my credit report, because they may be violating several laws that the federal law protects me against. XXXX, Experian and XXXX are in violation of : 1. Civil Liability for Willful Noncompliance ( 15 U.S Code 1681n ) 2. Exclusions 15 U.S Code 1681a ( 2 ) The Federal law is above all laws and these 3 credit bureaus refused to comply with the law. Having these hard inquiries on my credit report has been stopping me from getting approved for housing for my XXXX children and me. I'm suffering from XXXX and XXXX because of my consumer report that's reporting transactions that I have the right of privacy to as well as transactions I never have consent to. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX because I can't get housing for my kids because of the hard inquires furnishing my credit report. I want to get this matter taking care of, and if it doesn't, I'll will go public and publish my book explaining how XXXX XXXX XXXX XXXX because of the credit bureaus acts of unfairness. Listed below is the hard inquires that's furnishing my credit report. 




XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XX/XX/XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/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 2021-12-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: AMERICAN HONDA FINANCE CORP
State: CA

Complaint narrative:
Hello, I bought a XXXX  XXXX from XXXX XXXX in XXXX, CA. The purchase price of the car was {$31000.00} including tax. I put down my car work {$6800.00} and {$1500.00} cash. Instead of open a loan for {$31000.00}, they ADDED my amount to a larger loan, effectively stealing {$11000.00} dollars from me. My loan amount should have been {$31000.00} less {$6800.00} + {$1500.00} or {$23000.00}. Clearly a XXXX  XXXX is not worth $ XXXX, no matter how " hot '' the used car market is. I want my loan amount reduced and XXXX XXXX the head of finance held accountable for stealing money from me. My salesperson XXXX XXXX who is no longer employed with them. Please advise next steps. Thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-07 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: MD

Complaint narrative:
XXXX XXXX XXXX refused to remove acct XXXX Auto Loan there three different amounts on my consumer report And with this chargeoff acct I am unable to apply for anything do to this

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 2021-12-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
XXXX XXXX XXXX refused to remove acct XXXX Auto Loan there three different amounts on my consumer report And with this chargeoff acct I am unable to apply for anything do to this

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-07 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: Experian Information Solutions Inc.
State: MD

Complaint narrative:
XXXX XXXX XXXX refused to remove acct XXXX Auto Loan there three different amounts on my consumer report And with this chargeoff acct I am unable to apply for anything do to this

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 2021-12-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: WELLS FARGO & COMPANY
State: NM

Complaint narrative:
this all started XX/XX/2021 with XXXX  key chain it included my banking information they made a b payment through my personal bank & also with my debit card with both i reported it and had my accounts changed it happen again. since then all my acts were compromised emails social media passwords blocking from everything and i have reported to police and also attorney general as well as cybercrime through the .gov site XXXX my email i provided was then hacked again i never received notification and hacker cancelled my report cc to himself and that was at these emails XXXX XXXX or now XXXX  & XXXX where my XXXX emails and XXXX is the one the hacker had a hold of i have tried to retrieve any emails through sites & google and i cant at all it states theres other information for a recovery phone # and email. 

other emails : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have incident reports with local police department XXXX  and i met with cyber detective they said they didnt have the proper equipment to see who it is that impossible to find hacker and over XXXX accounts of mine were compromised. Thats when i did XXXX report. 
I also reported to XXXX since it started on the i phone then to my XXXX XXXX XXXX  and my internet company is aware also are the techs that come and to fix issues. 
I have bought several VPNs and they also get hacked, they have changed my router over 20x nothing works! I set and changed name of router secure passwords everything with them I have filters set on my modem and they take a couple days before compromised. 
My i cloud erased ive reported it with XXXX  security team and nothing is done i have several report # s  nothing. 
my phone # is 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 2021-12-07 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: PA

Complaint narrative:
I sent a hippa dispute on XX/XX/2021 and also on XX/XX/2021. I did not not received a response and the account was not removed. I have not gotten a response back at all.

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 2021-12-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Dynamic Recovery Solutions, LLC
State: CA

Complaint narrative:
I called Dynamic Recovery Solutions XXXX on XX/XX/2021 at XXXX and informed them that I dispute the validity of this debt because I never applied for these credit cards and never owned them and that someone has stolen my identity. I also mailed a written letter to them on XX/XX/2021. 
Ref # XXXX, XXXX these are the two letters I received in the mail from Dynamic Recovery Solutions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: Netspend Corporation
State: IL

Complaint narrative:
I am not able to close my account with the company listed below. 

The ACE Flare Account is established by XXXX, Member FDIC. Netspend, a XXXX XXXX XXXX, is a service provider to XXXX. Netspend, a XXXX XXXX XXXX, is an authorized Independent Sales Organization of XXXX. Certain products and services may be licensed under U.S. Patent XXXX XXXX and XXXX. 

I called and have gave the the following. 

XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX DOB XXXX XXXX XXXX business email : XXXX personal email : XXXX I want to closed my account ASAP, Immediately. I have not used nor plan to use there service any more or in the future. 

Thanks in advance.

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 2021-12-07 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: TRANSWORLD SYSTEMS INC
State: NY

Complaint narrative:
Transworld XXXX XXXX is reporting a fraud account on my credit. I didnt open this account nor did I authorize anyone to do so. Please note the attached FTC report and my driver license. Please remove it from my credit

Company response to consumer: Closed with explanation