vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-12-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

Complaint narrative:
My wife and I had a mortgage with XXXX XXXX of which I was in an approved forbearance program due to COVID and my complete loss of income. My accounts all shut down on XX/XX/XXXX and I had been in contact with XXXX immediately about my loss of income and signed into their deferment program of which it took several months to receive the paperwork from them. They informed me under the current law I was abIe to defer monthly, which i did from the the first month covid hit me. I was told to wait for their paperwork to fill out but needed to put in an application with them. I did so and was approved for forbearance with a first payment due on XX/XX/2020. I ended up selling my house and sold it XXXX under appraised value to move on from this nightmare and get them paid and save my credit. I satisfied them 100 % on XX/XX/2020. Ist payment of the new forbearance was XX/XX/XXXX. 
Today, XX/XX/XXXX, not on my credit but on my wife 's credit report it shows a 120 day delinquency from XXXX XXXX, posted on XX/XX/XXXX, which will now affect us on our current mortgage application and I will not be able to get the interest rates we deserve and worked so hard to retain. We went from a 6600 sq ft house to a 12x10 room to save our credit and now we have this to deal with at almost XXXX, and not due to my own fault.

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 2020-12-28 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: EQUIFAX, INC.
State: CO

Complaint narrative:
My wife and I had a mortgage with XXXX XXXX  of which I was in an approved forbearance program due to COVID and my complete loss of income. My accounts all shut down on XX/XX/XXXX and I had been in contact with XXXX immediately about my loss of income and signed into their deferment program of which it took several months to receive the paperwork from them. They informed me under the current law I was abIe to defer monthly, which i did from the the first month covid hit me. I was told to wait for their paperwork to fill out but needed to put in an application with them. I did so and was approved for forbearance with a first payment due on XX/XX/2020. I ended up selling my house and sold it XXXX under appraised value to move on from this nightmare and get them paid and save my credit. I satisfied them 100 % on XX/XX/2020. Ist payment of the new forbearance was XX/XX/XXXX. 
Today, XX/XX/XXXX, not on my credit but on my wife 's credit report it shows a 120 day delinquency from XXXX XXXX, posted on XX/XX/XXXX, which will now affect us on our current mortgage application and I will not be able to get the interest rates we deserve and worked so hard to retain. We went from a XXXX sq ft house to a XXXX room to save our credit and now we have this to deal with at almost XXXX, and not due to my own fault.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-28 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Social Finance, Inc.
State: MN

Complaint narrative:
I have been unable to close my account Crypto Currency/Brokerage  account because it has a {$.00} Crypto Currency balance which is below the minimum SoFi requires initiate a trade. I entered an order to " Sell All '' my Crypto Currency balance on XX/XX/2020 but SoFi completed the transaction leaving my account with a {$.00} balance. I have requested that SoFi close my account on three separate occasions but they have not closed my account because of the miniscule balance. 

My most recent request to close the account was on XX/XX/2020. On a prior attempt to close my account SoFi replied ; We are not able to close the Crypto account due to the small balance. Since this is below the minimum needed to sell ( {$10.00} ), we have to work on a solution. Sorry for the inconvenience.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-28 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: BARCLAYS BANK DELAWARE
State: NC

Complaint narrative:
XXXX XXXX  and Barclays Bank pulled my report without, y consent. I did not authorize this to be done.

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 2020-12-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: TD BANK US HOLDING COMPANY
State: MI

Complaint narrative:
I have/had an auto loan with TD Auto Finance. The payments were automatically withdrawn from my account for 59 of the 60 payments. In my last payment should have been in XXXX and I assumed that like the last 59 payments they would take it and send me the title. After about two months I wondered why I haven't seen the title. I called TD Auto Finance and was told that I had to make the final payment manually and this written in my contract five years ago. But the man was very understanding because as he put it this happens to everyone. I've had auto loans at other banks and have never had to do this. I now have to dispute the late mark on credit report. If this happens to everyone it is obviously a systematic and deceptive procedure they have put in place to gather extra interest and late fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc.
State: NV

Complaint narrative:
I recently completed a refinance of my home and through this process was able to payoff all of my credit cards. I was very excited to have every single one of my credit cards paid off but as soon as I had paid off my balances, COMENITY BANK/FRONTGATE immediately lowered my credit limit. I was really confused as to why this adverse action was taken and when I called to find out why I was told that I was reported late on my account. I don't understand how a late payment can occur when the balance has already been paid off? 

I was on the phone with COMENITY BANK/FRONTGATE throughout the process of my refinance and advised each representative that I spoke to that my account would be getting paid off soon. 
Each time I spoke with an agent I was told that everything was fine and that there wasn't anything that I needed to do and that my account was noted. If I was late, why did I not receive any phone calls or statements advising that I was late or requesting a minimum payment? I'm really disappointed that COMENITY BANK/FRONTGATE never offered me any kind of payment forbearance or deferment to help prevent any negative activity on my accounts especially after I made every effort to keep them in the loop. Now everyone 's paid off but I have a XXXX credit score? This is not right at all!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-28 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: WELLS FARGO & COMPANY
State: UT

Complaint narrative:
Wells Fargo Dealer Services is reporting a late on my credit file for the month of XX/XX/2020. Due to the unforeseen events surrounding the Covid Pandemic I was severely financially impacted. I am also aware that under the federal mandate and CARES act put in place you are not allowed to put late notations on my credit file during the pandemic. I have had an account with you for a very long time and this is extremely disappointing.

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 2020-12-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: DISCOVER BANK
State: IN

Complaint narrative:
Contacted Discover Bank Regarding Unauthorized Charges on checking account. this is the second complaint filed after reviewing 2 emails from Discover after getting a complaint from cfpb saying they are working on it and will get back to me still has not been done no response. they reversed XXXX $ in unauthorized charges and wont correct them.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-28 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: AL

Complaint narrative:
I have inquiries that I do not recognize on my credit report. 

XXXX : XXXX XXXX XXXX Inquiry Dates : XX/XX/XXXX & XX/XX/XXXX XXXX XXXX XXXX Inquiry Dates : XX/XX/XXXX XXXX XXXX/XXXX  XXXX Inquiry Date : XX/XX/XXXX XXXX : -Ally Finance Inquiry Dates : XX/XX/XXXX & XX/XX/XXXX & XX/XX/XXXX XXXX XXXX XXXX Inquiry Dates : XX/XX/XXXX & XX/XX/XXXX & XX/XX/XXXX XXXX XXXX Inquiry Dates : XX/XX/XXXX & XX/XX/XXXX XXXX XXXX Inquiry Date : XX/XX/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 2020-12-28 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: Lending Club Corp
State: NY

Complaint narrative:
XXXX XXXX i sent a notarized Demand for Debt Validation by certified mail to Lending Club as my documents will show as well as the single letter I received a response indicating that there were not the original creditor and have not ceased and desisted pursing the alleged Debt. Pursuant to 15 USC 1681a ( 2 ) ( B ) " any authorization to approval of a specific extension on credit directly or indirectly by the issue of a credit card or similar device '' Should be excluded from a consumer report. The definition of a credit card '' means any card, plate coupon book or other credit device existing for the purpose of obtaining, money, property, labor, or services on credit '' Notice, Congress said ANY card. The credit card is my social security card. This is the card which was used to originate the consumer credit. This is a consumer transaction in which a finance charge was involved. In addition there has also been negative information added to my consumer credit report on XXXX, XXXX and XXXX bureaus which under tittle 15 chapter 41 my rights have been violated. I am protected consumer under title 15 Chapter 41.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-28 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 — Problem with personal statement of dispute
Company: FIRST NATIONAL BANK OF OMAHA
State: NE

Complaint narrative:
Refinanced mortgage with XXXX mortgages. XXXX sent payment on XX/XX/2020. ( Yes, I did email to verify ). First National bank says they did not receive until Monday XXXX XXXX. Since it was past the XXXX of the month, they reported delinquent payment to my credit report. I disputed via XXXX to no avail. I called first National bank of omaha and they claim they can not remove from my credit

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 2020-12-28 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Problem using the card to withdraw money from an ATM
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
My complaints involves not being able to get contact with the second tier level customer service representative to help me get my account unfrozen since about 3 weeks ago. Initially I complained in mid XXXX about a {$600.00} charge to my unemployment that I did not make myself. So I was sent a replacement card and the former cancelled. Then about 2 weeks ago I try to pay my rent and my card was declined. I was told to call EDD to verify funds were still goin 2 account and afterwards notify BofA of said approval. And they were. Bof A then told me that my account was under investigation and frozen until they conclude their end of this ordeal. As it stands today I'm still without funds to survive. Then every time I get on the phone I'm either met with the runaround or just disconnected from the phone all together after waiting several several minutes to hours. I just want to get my account unfrozen so I have access to my money and I can pay for my basic needs i.e. food and rent. I was initially told at first 24 to 48 hours by a representative and then it turned into several weeks that I was told to potentially wait to get my account unfrozen. if you could assist I appreciate that thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-28 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
State: NY

Complaint narrative:
I have used PayPal to conduct business for over the last 6 years and have done millions of dollars in transactions. In XXXX PayPal shut down my business account and froze $ XXXX for 6 months. 

I was informed they closed my account because I violated the Acceptable Use Policy but I strongly disagree with this. There are over 20 other businesses that sell the same products as me and PayPal has not shut them down even after I informed them of these websites. 


Furthermore, my personal PayPal account was shut down in XXXX. 

PayPal has a monopoly on the payment industry and I am essentially being banned from using this service for life for violating the AUP which is not right or even correct. 

I have used paypal for 15 years and they were fully aware of my business and what I did the entire time I used. If I was doing something that violated it I would not be using their service.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-28 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: SYNCHRONY FINANCIAL
State: NC

Complaint narrative:
Synchrony bank and XXXX XXXX pulled my report without, y consent. I did not authorize this to be done.

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 2020-12-28 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Experian falsely claims that my complaint " did not appear be be submitted by me '' and then falsely marks my complaint as duplicate. 
Please investigate and delete the following false accounts : 1. XXXX XXXX account XXXX 2. XXXX XXXX XXXX account XXXX 3. XXXX XXXX account # XXXX 4. XXXX XXXX account # XXXX 5. XXXX XXXX XXXX account 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 2020-12-28 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: NV

Complaint narrative:
Equifax has inquiries on my credit report I did not ask for no credit increase

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-28 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I AM A VICTIM OF IDENTITY FRAUD PLEASE REMOVE FROM MY CREDIT ASAP.

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 2020-12-28 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I AM A VICTIM OF IDENTITY FRAUD PLEASE REMOVE FROM MY CREDIT ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-28 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I AM A VICTIM OF IDENTITY FRAUD PLEASE REMOVE FROM MY CREDIT ASAP.

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 2020-12-28 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Credit Bureau of Carbon County
State: CO

Complaint narrative:
as XX/XX/2020 I spoke to the collection agency try to come to a Seattle amount. They deny, and gave me a higher amount when clearly my collection is {$550.00}. when they trying to collet {$1200.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-28 00:00:00
Product: Money transfer, virtual currency, or money service — Money order
Issue: Confusing or misleading advertising or marketing — 
Company: PLS GROUP, INC
State: TX

Complaint narrative:
False advertising. At pls @ XXXX XXXX XXXX XXXX tx XXXX have signage saying free money orders. But found a loophole thru which they estimated that my rent money order would cost my @ least {$30.00} usd ( easally non split shift days pay ) yet could still b XXXX free Probably went a total of 8 places to buy a Money order for my rent & had a lota other stuff 2 do that day

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-28 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: U.S. BANCORP
State: PA

Complaint narrative:
First problem was resolved with me reporting my Reliacard stolen. Now having problems getting thru to a realrep due to calls being frauded. Reps don't know infor. At hey should know. 
Told by last rep that my self is I needed to send online was under review. Now told that it was never received. Reps not on dame page with responses. Don't know if talking to real rep. My act is inactive due to this. Unable to afford to update my PA ID with my PUA benefit on card I don't have! Had to send expired PA ID.

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 2020-12-28 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: VA

Complaint narrative:
Equifax is in violation of the fair credit. My understanding is they have 4 days to block the fraudulent items on my credit report. They have failed to do so in that time frame.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
on XX/XX/2020, I sent a letter asking Transunion to investigate items that I believe to be inaccurate. I sent another note on XX/XX/2020. As of Today, I have not received a response from them or notification that an investigation has begun.

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 2020-12-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PLAZA HOME MORTGAGE, INC.
State: IL

Complaint narrative:
Hello, For 7 months now I have tried setting up an escrow account for my mortgage. I have called Plaza 6 times and sent all insurance and tax information needed to complete the process. In XXXX I mailed the escrow cushion of {$3500.00} which was cashed by Plaza Mortgage. It is now XXXX and another notice has been mailed to me asking for {$3500.00} to start the escrow account. I have called and called and emailed and no one can help. Left a message on XX/XX/XXXX on a managers voicemail to call me to help resolve the situation. 

The company has absolutely no idea how to service a loan. 

The company is acting in a fraudulent and unsafe manor with customers and their money.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-28 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I have 30 days waiting for the response of the credit bureaus, because I have inaccurate information on my credit report. I have negative accounts that should not be on my credit report, accounts that are not negative showing as they are, inquiries that I didn't authorized. I waited too much for the response of the credit bureaus.

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