vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-07-24 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: CHECK INTO CASH INC.
State: IN

Complaint narrative:
I went into Check into Cash to obtain a loan that I had been to before. 
The following month, I noticed that the company did a hard credit check / inquiry. I contacted them and they informed me that they started doing them the month I came in. I explained that I was not told at the time I was in, nor was there any information regarding this in the store. They told me to call corporate. 
I called corporate, and they told me that they indeed did start doing them the month I came in. They also stated that there should have been placards in the store mentioning this and that it was in the fine print of what I had signed. I told them that there were no placards relative to this in the store and that I was not told of this change. They again, referred to the mention of it in the fine print. 
I had read near all of the extremely lengthy contract in the past before there was this change. Had I known or had they told me or had the placard up for me to read, I would have opted for another business nearby to do business with. This was explained, but they simply have no interest in my credit, the impact this has caused, or the desire to remove the inquiry that I did not authorize and was not made aware of them doing should I do business with them. I know in the end, it's the consumer 's responsibility to read everything. But, like I had said, I did previously. It should be their responsibility to inform clients of any changes or addendums they make. 
I simply want this inquiry removed. It not only impacted my credit score, but looks bad having done business with this type of company to future creditors.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-24 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: GA

Complaint narrative:
I was notified this morning via email from PayPal that my account is permanently limited for violating their acceptable use policy. The notification went on to say that my entire balance will be held for 180 days. I called PayPal and was told that some type of back office group of management has decided that my account should be restricted and that they do not have a way to find out why this has happened. 

My current account balance is {$19000.00}, which has been made up of many charges over the last year. I expressed concern over this process and my entire account balance being held hostage for 6 months when the funds go back further than their 6 month return policy. I was told they dont keep track of that so they just hold the entire balance regardless of how much falls within their 180 day return policy. 

I spoke to a supervisor and was again told that he is not provided the reason my account was restricted, and he had no way to find out. He said that that the entire balance is held just in case someone requests a refund over the next 6 months. I explained that I provide XXXX XXXX  and this balance has accumulated over the last year from sales ranging from around {$15.00} o {$2500.00} and that my clients have never requested a refund and that if they ever did, I would refund them myself in a heartbeat. 

He agreed to submit my account for another review and that I would get an email shortly. I received an email a couple of hours later with the subject " PayPal appeal denied '' which indicated that my account will remain permanently limited and that my entire balance will be held for 180 days.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-24 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: EQUIFAX, INC.
State: NY

Complaint narrative:
in the process of repairing my credit and this is my third attempt in trying to get the negative itema off my credit report sent letters even went threw cfpb and still no good results im trying not to use legal action to take these errors off just Erase the hard inquires please and thank you and i even sent letters of good faith to the credit card companys for my late payment since i been on time for the pass year and a half

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: WA

Complaint narrative:
My mortgage was transferred from XXXX to XXXX Loan Care LLC. 

I sent in a payment for {$1800.00} on XX/XX/2019. They cashed the check but applied the loan proceeds to a wrong account number. 

I notified them of this via Phone call to customer service. I spoke with XXXX. She said it would be reversed and posted to the correct loan in 4 to 5 business days.

After 5 business days, it was not corrected. I called Back.

This rep said she could see it was in process and check back on XX/XX/XXXX. 

I called and spoke with XXXX at XXXX on XX/XX/2019 and was told that nothing had been done.She did not know when it would be taken care of or what it would take to get cashiering to get the payment posted correctly.

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 2019-07-24 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: TN

Complaint narrative:
The credit agency claims that they verify information through the original creditor. The agency sent a letter stating that they use a third party service called XXXX XXXX to verify the information. This is a violation of my federal rights under the fair credit reporting act. 

The original creditor was not contacted to verify the information. in regards to the public record of bankruptcy.

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 2019-07-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
in the process of repairing my credit and this is my third attempt in trying to get the negative itema off my credit report sent letters even went threw cfpb and still no good results im trying not to use legal action to take these errors off just Erase the hard inquires please and thank you and i even sent letters of good faith to the credit card companys for my late payment since i been on time for the pass year and a half

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 2019-07-24 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
in the process of repairing my credit and this is my third attempt in trying to get the negative itema off my credit report sent letters even went threw cfpb and still no good results im trying not to use legal action to take these errors off just Erase the hard inquires please and thank you and i even sent letters of good faith to the credit card companys for my late payment since i been on time for the pass year and a half

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 2019-07-24 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: NAVY FEDERAL CREDIT UNION
State: MD

Complaint narrative:
This complaint is against Navy Federal and XXXX Resolutions. 
On XX/XX/2019 account was charged {$500.00} to pay for a service that I never received. It was authorized based on me receiving the service. However, I never received the service and the individual resigned the position as the director. Our company paid out the funds through XXXX which was tied to Navy Federal business account. The person got away of the amount of {$500.00} and when I made attempts to explain this to navy federal that we were out of {$500.00} without the service nor the funds they did not back nor support our company, XXXX of the XXXX XXXX, XXXX and refused to assist with a refund from XXXX XXXX who based on contract did not perform the duties of a director and not only that realized her incompetencies and resigned the position leaving us in a bind and he had to hire another individual to fulfill the role of the director,

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-24 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: GUARANTEED RATE INC.
State: TX

Complaint narrative:
On XX/XX/2019 I was notified and alerted by credit bureau XXXX that XXXX requested a copy of my credit report for a mortgage loan. I never applied for a mortgage loan. This was done in error and without my consent. 

On XX/XX/19 @ XXXX 1st attempt to dispute the validity of the inquiry. Spoke with XXXX XXXX over the phone and via email @ XXXX on XX/XX/19 @ XXXX. She said she would speak with the account manager for the company XXXX XXXX and for me to circle back with her and him on XX/XX/19 @ XXXX. Mr. XXXX said that he had made the correction on the inquiry that was done by error and that he was going ask for a reversal of this but yet on XX/XX/19 after I spoke with him at XXXX he said he had sent a correction letter to XXXX XXXX  and XXXX but today XX/XX/19 @ XXXX I spoke with representatives from these credit bureaus who tell me that they have not receive anything from Guaranteed Rate or XXXX for the inquiry to be remove from my credit file. I have too long for this error to be resolved and nobody is taken responsibility for correcting the issue. In the mean time my credit score dropped from XXXX to XXXX due to this inquiry. I have worked hard to maintain a good credit score and a good credit history for the past 5years for them to just ruin my reputation in a day. This is unfair.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: AMERICAN EXPRESS COMPANY
State: NJ

Complaint narrative:
American Express is violating the ECOA that requires them to provide specific reasons for taking adverse actions. 

I applied on XX/XX/XXXX for an American express credit and was approved. 

On XX/XX/XXXX, I receive a vague email from american express : " We want to let you know that after a recent review of your American Express account ( s ), we have cancelled the accounts referenced above because one or more of these accounts, or other accounts to which these accounts are linked, have been identified as not being used for the intended purpose. '' When I try asking for specifics what they are referring to me to they refuse to answer and stand behind their technical agreements which provide they can cancel the card for any reason. 

This is the 2nd time they are doing this to me. 

They did this a few month ago on another card, Just abruptly closing it with the same letter. I complained at that point to the CFPB and amex refused to answer with specifics. 

Just the above mentioned email in no way explains in any shape or form SPECIFICS about why they closed it. This is just a broad general statement. I begged them to explain specifically what transaction they think was not used for the intended purpose, they refuse, standing behind legal gibberish. American express is violating ECOA. 

@ Amex What about basic human decency? We had a relationship for about 18 years. Just terminating it without providing detailed specifics smacks of corporate detachment from basic human decency. 
@ Amex Perhaps this is just some corporate bureaucracy issue and my concerns have just not reached the right individual at Amex. If that is the case, this time around kindly forward my concern to the proper authorized corporate individual at Amex that has the capability to respond properly.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: MoneyLion Inc.
State: NJ

Complaint narrative:
I have opened my checking account for the below promotion and still I didn't get the promotion after I met the required conditions to get the cash reward. 

PROMOTION DETAILS : MoneyLion is offering a bonus of up to {$590.00} as part of their pave the wage campaign to highlight pay inequality between genders. To receive the bonus you need to : Join MoneyLion Set up a direct deposit of $ 500+ Opt in to bonus Maintain direct deposit for 90 days to get bonus ( this needs to be 90 % of your initial direct deposit ) Bonus you receive will be 17 % of your first direct deposit

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: MD

Complaint narrative:
I had my credit card stolen on XX/XX/19 and someone used my card to purchase {$2000.00} worth of merchandise. Called it in same day, was given a temporary credit. A few weeks later I get a call from Citi asking me to send in my I.D . within 3 days, do that, a few weeks pass and I login to my account to find out my temporary credits have been reversed. I make a CFPB and XXXX complaint about it. Someone from the Citi executive office called me and informed me that Citi never received my I.D . even though I sent it in via their secure messaging system and received a conformation email that it sent. A quick XXXX search on my behave revealed that Citi 's secure messaging system doesn't actually work which I find to be insane that the third largest bank in the U.S. doesn't even care enough to do some upkeep on their online services. So I send it in again and I get a call again today from a Citi executive to let me know that the request for credit has been denied because the issue date on my I.D . was before the date my credit card was stolen. I'm sorry Citi but my I.D . wasn't stolen, just my credit card. So the executive told me that she will try again to get it approved and will call me back.

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 2019-07-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC
State: FL

Complaint narrative:
I received response from debt collector. I believe that Fair credit act states if a alleged debtor ( XXXX ) realizes it made a mistake and took debt off one credit report, then it should be taken off all. ERC fails to accept that info, and doesnt admit this really is not something they should have contacted me about as I explained that to them and they were well within the ability to research this with the info I supplied. I explained I would not give them my SS number as I was hacked last year and will not divulge. And I also explained I never lived at a NJ address which was also disputed.The clerk in the legal dept that answered my complaint failed to address this and failed to accept responsibility that that was all that was needed to research this claim and to contact XXXX to verify. This collection was placed on my report without any verification and this collector failed to verify and validate as they sent me a collection letter. It should not be my burden to try to get this off my report and try to correct this as Ive been trying to do, this already was addressed last year with XXXX as I explained to clerk and XXXX removed it from XXXX. Therefore it should also have been removed from the other reports as I explained to ERC. They could have verified this info easily and instead refuse to accept this and accept responsibility for their collection efforts which were blatantly unverified that this debt was owed or even mine, I feel it was harassment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Resurgent Capital Services L.P.
State: IL

Complaint narrative:
The collection agency LVNV funding has been calling and threatening to ruin and damage my credit if I dont pay them. I have asked numerous times not to call anymore and that I will be filing a lawsuit against them.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Equifax Lack of CRA compliance with their obligation to accurately maintain and update your credit file under FCRA 607 ( b ).

" FCRA 607 ( b ) Accuracy of report. Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. '' I've submitted multiple disputes against the fraudulent charges in my name. I filed a police report, reported the identity theft to FTC and even faxed and also maimed them multiple times a copy of my passport providing proof I was not living in the states at the time the accounts were open and used.

I also sent a copy of my social security card as well as my license.

They refuse to delete these accounts from my credit file and it's causing me headache and now financial troubles as I'm trying to purchase home.

In all correspondence, they still address me by the wrong name and have my DOB listed wrongly when I've sent all documents showing my accurate info.

My next step is to sue. It has been months and countless disputes and nothing is getting accomplished.

My life is literally on hold.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: DISCOVER BANK
State: CA

Complaint narrative:
On XX/XX/XXXX, I called Discover Bank to reorder a new debit card. When I called, I was transferred to the fraud and security department. I spoke the representative there and she asked me about a check that deposited. I stated that I did make that deposit in error. I accidentally did a mobile deposit twice with the same check. They both were for the same amount. It was an honest mistake and I expressed that to the representative. She took care of the issue but my account was negative. I just started a new job and my first paycheck would cover the negative balance. She agreed. I asked if I could have a replacement debit card. She placed an order to have my new debit card delivered to me by Tuesday, XX/XX/XXXX. 

Today, Tuesday, XX/XX/XXXX, I got various emails from Discover Bank. One telling me that I was being unenrolled in e-statements and that I had to detach external accounts from the account. I called Discover Bank and was transferred to the fraud and security department. I verified my account and was then told that my account was closed due to fraudulent activity. I told the person, I just spoke to someone from the same department on Saturday and they didnt tell me this. I asked the agent, who I'm currently on the phone with, " When did the account close? '' They replied, " Today Tuesday, XX/XX/XXXX around XXXX XXXX '' When I asked very reasonable questions like, " What transaction triggered the account '' or " Is there a corporate phone number I can call? '' or " Why did Discover Bank close my account when they overnighted me a debit card? ", I was stonewalled with the response, " Because the account is closed, I am unable to discuss the account. '' I would like the CFPB to do everything in their power to get the truth from Discover Bank on why my account was being closed. Especially since they mailed me out a new debit card, which was delivered on the expected due date. I was such a good customer with Discover Bank, that they send me a gift of a brand new duffle bag when I told one of the agents that I was going on a trip. Discover Bank said that it was a " Business Decision '' to close my account. I don't believe that. And hopefully, after the CFPB 's inquiry, I'll have the real reason and not a computer-generated daisy chain lased explanation in generic terminology of why my account was closed. I am starting to believe that Discover Bank is hiding behind the disambiguation phrase " business decision '' for other intentions that might be happening to other consumers. Because if my account was closed for " Business Decision '' why did they overnight my a new debit card and then wait 72 hours to determine my account was subjected to being closed.

Company response to consumer: Closed with explanation