vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-02-21 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 — Card was charged for something you did not purchase with the card
Company: Continental Finance Company, LLC
State: VA

Complaint narrative:
XX/XX/XXXX, I noticed XXXX XXXX  company overcharge me for the rental I received. After contacting the CC company they stated they would help. No results, but in XX/XX/XXXX XXXX go to charge mt card 2 additional times after my dispute was filed and new card sent out because of unauthorized charges. XX/XX/XXXX the CC company stated someone had to give XXXX my new account information because thats the only way my account would keep being charged. After talking to their fraud department, they reimbursed me {$69.00} and was waiting for the conclusion of investigation to reimburse the other {$200.00} charge. The CC never reimbursed, I sent a couple of certified mailings asking if they can investigate and provide me with the details of their investigation. I received no responses and have emails where the fraud department acknowledge they have not even investigated the fraudulent charge. This email was back in XX/XX/XXXX and still no response after I bring it to the representative attention.

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 2022-02-21 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: MA

Complaint narrative:
XXXX and TransUnion are both in violation of the Fair Credit Reporting Act as they have provided no way to dispute hard inquiries. On the contrary XXXX does. 

In addition I have opted out of allowing companies to access my information on soft inquires, however XXXX ignored my requests.

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 2022-02-21 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: National Credit Systems,Inc.
State: TX

Complaint narrative:
The collections account from XXXX place was previously on my credit report from XXXX and had a negative impact on my score. It was recent removed from XXXX XX/XX/XXXX and then re-added which negatively affected my score again on all three reporting agencies even though it was never removed from XXXX or XXXX. It is also showing a balance on an open account which is not legal according to the FCRA laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
In XXXX Of 2020 I Was Diagnosed With XXXX, Which Led Me To Be Hospitalized & Also Unable To Make A Credit Card Payment With Navy Federal Credit Union XXXX I Requested Forgiveness And They Refused To Remove The Late Payment From My Credit Reports.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2022-02-21 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: UPGRADE, INC.
State: NJ

Complaint narrative:
My account is automatically paid on the due dates. 3 times now after they take my payment, they say I still owe. I then pay that sometimes I pay it more then once. It's a higher interest rate for left over balance. They don't know why their system keeps doing it. Now my accounts have been denied, when I tried to use them embarrassing, and it's still delinquent. Upgrade.inc have been doing this for months now. No fix, no answer and this this it's 21 days later.no matter how many times I pay money o don't owe, it's still delinquent.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-02-21 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: Consolidated Information Services Solutions, LLC
State: GA

Complaint narrative:
On XX/XX/2022 I received a notice through XXXX that I've gotten an hard inquiry from the company UniversalCIS a company I never heard of as well as the fact I haven't applied for anything new or signed for anything in months. I've tried contacting them but haven't got an answer or any call backs to receive more information or to get the situation resolved. This similar situation occurred on XX/XX/2022 as well with the company Avantus XXXX in which I received no answer or call back as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AMERIS BANCORP
State: GA

Complaint narrative:
Not calculating my escrow correctly and increasing my mortgage payment per month.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
The information is not information relating to any transaction by the consumer/creditor. I've been a victim of identity theft and did not make the charge. All items listed should be blocked, removed and suppressed for these are fraudulent and inaccurate. Fraudulent Accounts : XXXX  XXXX XXXX XXXX XX/XX/XXXX {$2700.00}, XXXX XXXX XXXX XX/XX/XXXX {$160.00}, XXXX  XXXX XXXX XXXX XX/XX/XXXX {$5500.00}, XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX {$140.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-21 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: CO

Complaint narrative:
On XX/XX/2022 TransUnion received a certified mail letter from me asking for proof of verification of collection items : XXXX XXXX : XXXX XXXX XXXX XXXX XXXX : XXXX XXXX  By law, TransUnion had up to 15 days to reply with a complete list of all documents and correspondence that led them to verify the items, including all names and contact information of employees that they spoke to as part of their investigation. 

It has been over 30 days and I have still not received a response on this matter from them. However, they have not removed the items as required by law from my credit report. 

I implore the CFPB to force TransUnion to remove the erroneous collections from my credit report at once.

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 2022-02-21 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: Consolidated Information Services Solutions, LLC
State: GA

Complaint narrative:
On XX/XX/2022 I received a notice through XXXX that I've gotten an hard inquiry from the company UniversalCIS a company I never heard of as well as the fact I haven't applied for anything new or signed for anything in months. I've tried contacting them but haven't got an answer or any call backs to receive more information or to get the situation resolved. This similar situation occurred on XX/XX/2022 as well with the company Avantus LLC in which I received no answer or call back as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-21 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 XXXX/XXXX/2021, I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the XXXX data breach and may have gotten into hands of the wrong person.

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 2022-02-21 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
On XXXX/XXXX/2021, I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the XXXX data breach and may have gotten into hands of the wrong person.

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 2022-02-21 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: Shellpoint Partners, LLC
State: GA

Complaint narrative:
I was very sick with XXXX as of XX/XX/XXXX, and was admitted to the hospital. I paid XX/XX/XXXX mortgage on XX/XX/XXXX. I sent a copy of my XXXX test result and a doctors note to Shellpoint. I also sent them screenshots of financial statements to prove that I had the funds available but was too sick at the hospital to make the payment. However, Shellpoint Mortgage totally disregards the documents and focuses solely on the late XX/XX/XXXX payment. 
According to the Consumer Finance Protection Bureau website, lenders and creditors can not report a customer who is impacted by XXXX to the credit bureau XXXX 
My credit score was impacted by over XXXX points as a result of the late reporting to the credit bureau. I have owned this property since XX/XX/XXXX, and my payments have NEVER been past due. I reached out to Shellpoint Mortgage via phone and in writing and they refused to fix the late reporting to the credit bureau. I am asking for assistance from this agency to resolve this matter because it is unjust.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
On XX/XX/XXXX, I received over XXXX dollars into my capital one bank account and I filed a police report at the XXXX precinct in the XXXX on XX/XX/XXXX, for XXXX larceny report number XXXX my previous XXXX had been jailbroken, and my identity compromised. In XX/XX/XXXX I noticed fraud on my account on my Capital One 360 online bank statement and in XX/XX/XXXX I called to dispute some charges as I had not identified all of the charges that were fraudulent in XX/XX/XXXX. I called back on XX/XX/XXXX, spoke with the Customer protection department and notified them that I have fraud charges on my account. I spoke with a young man who took some of the charges and then a lady from the same department advised me that I needed to replace my cell phone because XXXX advised me that my phone had been compromised. So she stated that when I get a new phone to contact the bank because they were going to restrict online access and I would have to go to the closest branch to the bank. On XX/XX/XXXX I withdrew money from my account at the branch and was given a yellow sticky by the bank teller to call the number listed on the paper. I called Capital one 360 and they notified me that after reviewing the account that once the fraud charges are investigated my account would be closed because of suspicious activity and that the bank had the right to close my account for any reason. I have been a capital one customer for 6 years and when I called in XX/XX/XXXX the bank made no mention of closing my account until I called about fraud on my account. I am a XXXX veteran and I am XXXX I need my account to stay active until I receive my XXXX check on XX/XX/XXXX, because it will take Social Security time to change my direct deposit. I am still gathering as much proof as possible regarding the fraudulent charges because the Capital one Customer protection department ( XXXX ) XXXX gave me an email address to send additional documents and that she could not promise anything but they would review documents regarding them closing my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-21 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: TN

Complaint narrative:
On XX/XX/XXXX someone access my paypal and withdrew {$540.00} out of my crypto currency and put into paypal then withdrew it from paypal to xoom i did not authorize this i was incarcerated in jail at the time paypal keeps saying the transaction was authorized but it was not authorized by me Paypal allowed my primary phone nunber and email to be changed during all this which allowed for this to take place had they not let this perpetrator change the primary number it would of never been able to steal all my money bc my phone was locked up with me in jail. XXXX user agreement states that unauthorized activity occurs when someones credintials are used without permissions that results in the paypal customer recieves no benefit from the transaction made which i didnt there is way more than enough here to see this was fraudulent activity and paypal let someone change nimbers change emails drain XXXX XXXX accounts and use a different unconfirmed number and email to make all this fall in place Paypal is definitely at fault here and rhem sending a computerized auto generated email saying this transaction wasnt unauthorized is there way to not have to pay people back this majes Paypal Inc thieves within there selves this is quite ridiculous money isnt easy to come by and this is also telling fraudsters that what they do is ok by their standards someone stole my oassword accessed my account and it did not benefit me that is FRAUDULENT ACTIVITY BY PAYPALS OWN USER AGREEMENT I NEED MY MONEY BACK PAYPAL

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-21 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: HI

Complaint narrative:
These accounts I have noticed in my credit report should not be in there. I was not notified so I am filing this complaint for myself. As the original creditor, only I can validate this debt and I do not validate this debt. Therefore, the following accounts must be deleted from my report immediately.

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 2022-02-21 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: HI

Complaint narrative:
These accounts I have noticed in my credit report should not be in there. I was not notified so I am filing this complaint for myself. As the original creditor, only I can validate this debt and I do not validate this debt. Therefore, the following accounts must be deleted from my report immediately.

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 2022-02-21 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: FISERV FINXACT CORE
State: MN

Complaint narrative:
I was at the store on XXXX XXXX doing some shopping when it came time to check out i could not find my card so I went to use XXXX XXXX and my payment kept not going through so I pulled up My Money Network app and seen a {$1000.00} transaction sent out of my account to XXXX XXXXp so I ended up having to leave the store without my groceries felt like everyone was staring at me.so I then called my cards customer service right when I got into the car told them about the unauthorized transaction told them I locked my card had them cancel it and send a new one sent within 2 days next I called XXXX XXXX  to let them know of what had happened wasn't sure if I had to contact them or not.So then had to wait for papers to come in the mail to sign the dispute. on XXXX I received 2 envelopes from money network one held the dispute papers the other held a denied letter about my dispute due to me not doing the paperwork I got both papers on XXXX how does that work i dont say how long the mail takes to get to my house. IV been with these guys for years never any problems I was shocked the transaction wasn't denied and flagged since IV never sent that amount to anyone ever to me that is a none normal thing and should of been stopped and I should of been alerted for it iv appealed my dispute like 3 or 4 times still denied I sent them my XXXX statement for XXXX XXXX XXXXo prove it was not my account nor did I have any transactions like that I told them that someone has to of stole my card cause I couldn't find it to make my purchase and with the transfer transaction it's obvious some one had used it I also notified all 3 credit bureaus about the fraudulent transaction iv talked to money network on the phone many many times even asked to talk to a supervisor a few times just gets me no where I don't understand this I feel like this is there fault not mine why do I have to go through this headache.on money networks web site it says stay confident with XXXX XXXX  Zero Liability Policy* is our guarantee that you ( won't be held responsible for unauthorized charges made with your account or account information ). You're protected if your XXXX credit or debit card is lost, stolen or fraudulently used, online or offline. Iv seen there has been many diff lawsuits against money network for not crediting people 's accounts for unauthorized transactions and other similar things so please I beg you to help me get what I'm owed by money network it's just not fair or right.

Company response to consumer: Closed with explanation