vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-05-22 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: LA

Complaint narrative:
I submitted proof of Payment to the credit bureau showing that the account with XXXX XXXX XXXX was paid in full and should be removed. The company instead changed the status to charged off as bad debt which is incorrect. I submitted my paid receipt and I am also attaching it here for your records again. This account is not charged off it is paid in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-22 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with fraud alerts or security freezes — 
Company: OneMain Finance Corporation
State: GA

Complaint narrative:
O XX/XX/XXXX I was notified via XXXX credit monitor that 1 main financial had reported a hard inquiry on my credit report that i did not authorized horise

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-22 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: PA

Complaint narrative:
I have been reported on my Experian credit report as deceased. This has happened not once, but twice. The second time was XXXX of XXXX. XXXX XXXX reported an account that belonged to my husband, who committed XXXX in XXXX of XXXX, on my report. They stated the account holder is deceased. XXXX  XXXX states they sent a withdraw to Experian. I as well have disputed the deceased status. Months later, many months ... ..there has been no resolution. I can not even get a refinance through my current mortgage holder because I am " deceased ''.

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 2021-05-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: U.S. BANCORP
State: GA

Complaint narrative:
On XX/XX/21, I spoke with XXXX about my account. I advised of hardship and she said that she would put a hold on my account with no payment due. I checked my account today and noticed that I am now due for {$520.00} next month and I am not understanding why when I was told the account would be put on hold for one month. When I spoke to XXXX today I was told that the " hold '' only eliminated late fee but it didn't cancel payment completely and I was unaware of this. As a result, I am filing this complaint.

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 monetary relief
Consumer complaint received 2021-05-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TD BANK US HOLDING COMPANY
State: MA

Complaint narrative:
I had filed a prior complaint with CFPB and I had a rebuttal and appeal to TD Bank write up. TD bank had no solution - See Complaint XXXX. I will like the resolutions in order to move on and also have TD Bank fix the 2 issues. 1 ) I want to pay the XX/XX/XXXX and XX/XX/XXXX mortgage payment expeditiously and right away from my online bank account. which belonged to XX/XX/XXXX and XX/XX/XXXX. That should take care of the 2 deferred payments owed. I have offered to pay TD bank several times and so far TD bank has not accepted the offer. 
2 ) I want TD bank to remove the term 15 mortgage off of all the credit bureau reports expeditiously and replace with my actual mortgage term 30 years and the comments Loan modified under a deferral program. I have filed disputes with XXXX, XXXX and XXXX since the terms on the credit bureau report for TD bank is incorrect. Each credit bureau, banks and companies have label those comments to be negative except TD Bank. Comments field should be left blank since I pay my bills on time and I was erroneously added under Natural Disaster since TD Bank did not have a plan for furlough employees 3 ) On the loan modification on file with TD bank, I want TD bank to put on file that this was due to the XX/XX/XXXX to XX/XX/XXXX United States Federal Government Shutdown. And that I was a federal government furlough employee. And also that TD Bank had participated in offering federal government employees temporary payment extension. TD bank said these thing on XXXX social media and news media. 
The money had previously belonged to the XXXX and XX/XX/XXXX payment extension during the XX/XX/XXXX and XX/XX/XXXX united states government federal shutdown where 800,000 federal were furlough. 
So far TD bank has no plan, or no solutions. I am not going to let TD bank ruin my credit, my professional life or my personal life. TD bank has not consider anything and their main comment is '' Sorry, we can't do anything ''. I never missed a payment in 18 years. I will like TD bank to come to the table on these solutions. I will like a manager, director to handle this matter and not just a rep that has no authority. I have been unable to speak to a manager or director at TD bank for 2 years straight. Please ensure that TD bank gets the request to their management so that we can start fixing these issues. 
Thank you XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-22 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc

Complaint narrative:
Paypal closed my account for no reason and will not help with getting it back up and going I am not sure if this is some mistake as i assume it has to be i have not been able to get help from them for months but i just remembered i could file a report on here as i feel they are not doing their job properly and it is effecting me a great deal as i used payPal quite frequently My email linked to my payPal is XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-22 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Hello Sir/Maam, Im writing to you today as I have been a victim of XXXX XXXX by using Chase mobile application. There was a system hack, and someone I do not know, took out {$2400.00} from my XXXX XXXX Account. The XXXX name is XXXX XXXX XXXX XXXX, and the XXXX account number is XXXX. The persons name is XXXX XXXX XXXX XXXX, who I do not know. This unfortunate event took place on XX/XX/XXXX. I had already filed a claim number XXXX on XX/XX/XXXX with chase, and they gave me a temporary credit on XX/XX/XXXX. The credit was reversed on XX/XX/XXXX. 

I have been a customer with JP Morgan Chase for the past 3 years. Most of the bosses at my job have had chase which gave me enough faith and confidence to bank with you. I opened my first business XXXX XXXX XXXX XXXX with Chase. Im in the market to buy a house, and Im in the process of starting a mortgage loan with Chase. 

I have made several calls to Chase claims number XXXX, and they have all said that they can not reassert the credit. Im hoping that somebody on your executive team can help me with this predicament. I work very hard for my money, spending endless days and nights, and I do not want it to go to waste. Please help me. 

Thanks XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-22 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: GA

Complaint narrative:
Experian has continued to maintain this inaccurate invalid information on my credit report. [ Dispute report # : XXXX ] while violating regulations the FTC set forth. I have informed them several times in writing as well as electronically and asked that this damaging false information needed to be completely removed/deleted from the report. 
The Fair Credit Reporting Act ( FCRA ), found at 15 U.S.C. 1681, et seq., was originally enacted in 1970. The express purpose of the FCRA was to require that consumer reporting agencies adopt and implement reasonable procedures for ensuring that credit information about a consumer was collected, maintained, and dispensed in a manner which is fair and equitable to the consumer with regard to the confidentiality, accuracy, relevancy and proper utilization of such information FCRA, 15 U.S.C. 1681 ( b ) ; Safeco Ins. Co. of Am. v. Burr ( 2007 ) 551 U.S. 47, 127 S.Ct. 2201, 2205. The Congressional findings noted that [ t ] here is a need to insure that consumer reporting agencies exercise their grave responsibilities with of fairness, impartiality, and respect for the consumers right to privacy. FCRA, 15 U.S.C. 1681 ( a ) ( 4 ). 
First, the FCRA at subsection 1681s-2 ( a ) prohibits furnishers from reporting inaccurate information about consumers. As such, it placed an affirmative duty on furnishers to correct and update information which they know, or reasonably should know, is inaccurate. 

I ask that all the accounts contained in Experian 's above mentioned dispute report, all be deleted immediately from 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 2021-05-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I submitted proof of Payment to the credit bureau showing that the account with XXXX XXXX XXXX was paid in full and should be removed. The company instead changed the status to charged off as bad debt which is incorrect. I submitted my paid receipt and I am also attaching it here for your records again. This account is not charged off it is paid in full.

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 2021-05-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Excessive fees — 
Company: Self Financial Inc.
State: MD

Complaint narrative:
SELF Financial issued me a secured credit card after I successfully completed phase I which was making payments on time for 12 months and then SELF used the money I submitted as payments for the security of the credit card. After two months of using the card on occasion and then paying it off each month, SELF doesn't apply that payment towards the credit card balance until weeks, and at times, months later and it's not calculating correctly. Someone needs to please help me by looking into their fraudulent ways.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-22 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Vehicle was repossessed or sold the vehicle — 
Company: WHEELS FINANCIAL GROUP, LLC.
State: CA

Complaint narrative:
I opened a auto title loan with XXXX XXXX XXXX on XX/XX/XXXX in the amount of {$3500.00} I paid {$390.00} on this loan monthly until XXXX! Paying over {$25000.00} for a {$3500.00} loan. As a XXXX XXXX military spouse we fell on hard times and my car was immediately repossessed after paying for several years. Even after the car was repossessed while my husband was XXXX XXXX we were hounded and harassed by this company to keep paying monthly on this loan even after repossession. It is now XXXX and this is still active on my credit report and does not appear to go away anytime soon. This company and their practices must be reviewed! This is a predatory loan with no way out, it is designed to keep the lender hostage for decades! I am begging CFPB to investigate and shut this company down!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Chime Financial Inc
State: IL

Complaint narrative:
Chime suspended my account over a month ago without even telling me. I had about XXXX in there. I been emailing them and calling them, no answers. They asked me for documents, I sent them over a month ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-22 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: GA

Complaint narrative:
Cash app is hacked. Ad targeting. XXXX. Mirrored devise for XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-22 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC
State: TX

Complaint narrative:
I was told I needed to get my credit over a XXXX to proceed with a VA IRRRL and was advised to work with their credit repair team. I made some extra payments and requested an updated balance statement so that we could submit a credit score update. The work I did helped me get over the XXXX mark but when I was transferred to a new loan officer, he advised me that my credit needed to be over XXXX. I feel like I am a victim of a bait and switch, I did everything needed to get my credit over the mark and to change what I was told is very upsetting.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-22 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:
On Monday XXXX XXXX I tried to withdraw {$1000.00} dollars off of my XXXX bank of America prepaid card inside in Bank of America via a Teller and the card was declined stating " insufficient funds '' which false due to the fact that I did indeed have the {$1000.00} on my XXXX Bank Of American prepaid card. I called and spoke to XXXX a bank of America representative through the customer service line and she checked and saw there was a block on my card and she unblocked the card so I could use my funds. On Tuesday XX/XX/XXXX of 2021 I went to a gas station inside with the clerk and I asked for {$7.00} on the pump for gas and my card was declined again I called Bank of America customer service and the representative stated their was a glitch in the system which was causing the card to be blocked and then they unblocked the card the representative stated that someone requested that I was sent out a new card WHICH I HAVE NEVER REQUESTED! and I still wasn't able to use funds. On Thursday XXXX XXXX I went to another Bank XXXX America Location to withdraw {$13.00} which was declined. I called Bank of America customer service the representative stated they had unblocked my card again and couldn't understand why the card was blocked. Today Saturday XXXX XXXX my card is still blocked and I'm still unable to withdraw and/or use my funds I have been speaking to Bank if America representatives all day the representative stated error code pops up while trying to unblock my code and they can see that it's blocked but it has no reason why. And no one can explain why the card keeps going on block.

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 2021-05-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: RentDebt Automated Collections, LLC
State: SC

Complaint narrative:
My name is XXXX XXXX I have received a mail from a Company that called : RentDebt Automated collections that located in XXXX XXXX XXXX XXXX, TN XXXX. 
The company have have asking me to pay off amount of {$1700.00} XXXX for a statement date XX/XX/XXXX that they've thought I owe to the listed creditor. 
The debt collector company have disrespectfully had a several attempt to contact me by phone in an unreasonable hrs from an unknown numbers. 
This debt collector company is deliberately searching for my personal information and data such as SSN, Bank account, credit cards number, addresses and contacts etc. 
I HEREBY DECLARE THAT I HAVE LEFT THE STATE OF FLORIDA AND CREDITOR 'S PROPERTY WHO THEY HAVE TRYING TO COLLECT DEBT FOR. AT THE DATE XX/XX/XXXX AND ARRIVED IN XXXX, SC AT THIS DATE! I HAVE A COPY OF THE LAST RECEIPT OF THE FULL PAYMENT THAT I HAVE MADE FOR XX/XX/XXXX BEFORE I LEAVE THE PROPERTY BY THE END OF THE MONTH XX/XX/XXXX. ALSO I DO NOT HAVE ANY AGREEMENT WITH THE DEBT AND I HAVEN'T GIVE ANY PERMEATION TO THE DEBT COLLECTION TO HAVE MY NON PUBLIC INFORMATION. 
THIS LETTER CONTAINS : 1. Copy of the mail that collectors have sent to me. 
2. Copy of the receipt that proofs the full paid amount rent for the last month XX/XX/XXXX before leaving the property 3. Copy of my auto insurance policy issue date that proofs I am in the state of South Carolina. 
I've submitted this letter as a complaint to CFPB and humbly asking for a protection against RentDebt Automated Collection who are in process of impacting my life, I also need a protection on my personal data that been breached by XXXX XXXX  XXXX, such as SSN, Bank, Credit Cards etc. In order to cause a potential problems, also I need a protection on my personal information from being forwarded or sold to any other company by RentDebt Collector. 
I understand that personal privacy, data and information of any individual who are living on the land of XXXX XXXX of America are a human rights matter, I understand that I am under such protection against any corporation/ organization who have trying to cause threats, fear, stress or potentially a negative impact to resident of XXXX XXXX or practice any bias algorithm or cause lose of confidentiality. 

Sincerely XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-22 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: MoneyLion Inc.
State: FL

Complaint narrative:
XXXX XXXX advised me that I have a new account opened under my name reported on XXXX at a company named MONEYLION. I try get in contact with MoneyLion Inc but I did not get a response. I never opened or even know about this company or this account was opened as fraudulent because my personal information was compromised by XX/XX/XXXX or XXXX XXXX  or someone open this account using my credit credentials. This company gives money without verify with the customer if is real or not. The amount is for {$1000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
I requested a free credit report from Experian and not received my free report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-22 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Security Credit Services, LLC
State: CA

Complaint narrative:
This Company placed a Fraudulent account on my Credit & I have never dealt with or had any contact, did not open an account or owe Any money to. I received an alert from XXXX on XX/XX/XXXX that an account was opened in XX/XX/XXXX & I owed {$670.00}. These people then attempted to Call my Job on Several Occasions, they have been Told to immediately cease contacting me, my job & REMOVE this False information off my credit report. After looking at an old complaint & account that was previously removed from my report, it appears the Acct numbers used are the Same & this Company under a DIFFERENT name now is Attempting to place a false account on my credit & attempt to commit fraud my trying to get money from me, but now under a different Company name. I have filed disputes with all 3 Credit bureaus about this & also filed complaints with XXXX against them.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-22 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 — Problem getting your free annual credit report
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
Experian has not allowed access to my credit report, online, for nearly a year. There is no explanation given.

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 2021-05-22 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:
Ive disputed Bankruptcy with XXXX XXXX XXXX and Experian that doesnt belong to me. Yet they say its verified and to be mine, Ive spoke to the Bankruptcy court and they dont even give this type of information with credit bureaus so how is this being verified. Please remove these items.

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 2021-05-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
Transunion has not mail my free report i requested several times.

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