vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-12-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
Credit inquiries remain on our credit reports for a couple years, hurting our credit score and affecting our ability to obtain credit. 

Some shady door-to-door company, XXXX, came to my house in XX/XX/2019 selling alarm systems. They asked for my social security number when I asked them pre-sales questions. I refused to provide it, as I was just inquiring and did not want my credit pulled. They asked for my name and they had my address already. They plugged it into something and said excited they didn't need my social security number. I didn't think anything of it at the time. Now, I see on my Transunion credit report, they pulled my credit anyway. I hadn't even signed up for service when they pulled it. They pulled it without my permission. 

Also, someone fraudulently opened a XXXX account in my name in XX/XX/2019. Transunion removed it from my credit report. However, there is still a credit inquiry on my Transunion credit report. I shouldn't be dinged for something I had nothing to do with. 

I reported these 2 false credit inquiries to Transunion. They just sent me back a Captain Obvious letter stating what a credit inquiry is. 

Transunion needs to remove the XXXX and XXXX credit inquiries 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 2019-12-08 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Self Lender Inc
State: NC

Complaint narrative:
I have an account with a company called self lender. This is used to build credit history. The way it works it I pay them a monthly amount of {$25.00} and at the end of 24 months my Money is returned to me. During this period they report those payment to the credit bureaus. near the end of XXXX I was hospitalized due to sickness and thought my payments were on auto pay. It recently came to my attention that there is a 30 day late payment reporting to the bureaus. All of my past months are paid up and this was a one time occurrence. Being that I was hospitalized I was not aware they didnt auto deduct the payment from my account along with the fact that I wasnt able to contact anyone to resolve this issue. My account is in good standing but the presence of this late payment on my credit is bringing financial hard bearings due to the fact that it has tremendously impacted my score. This company is supposed to help peoples credit but now it is doing the opposite for and I dont feel as if its right! I pride Myself on my good payment history in managing my finances and this situation is really affecting me!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I opened a citibank checking account and saving account package at XXXX for a promotion XXXX bucks if i deposit XXXX total and keep this amount 60 days. Then I finished their requirement. And contact them for my bonus at XXXX. I have been told I will receive my bonus in 90 days before XXXX. So I wait for another month and contact them again to double check everything is right at XXXX. I got promised bonus is on its way. But everything is change when I contact them why my bonus still not post yet at XXXX. They told me I am not qualify the bonus. Because I do have account with them at XXXX. What?? Why they don't tell me early since I deposit their bank almost 6 months. I thought they promised it they should honor it.

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 2019-12-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: TX

Complaint narrative:
My mortgage was transferred from XXXX XXXX to Select Portfolio Servicing. I was unable to initiate any online account with the account number I was provided by Select. Select 's customer service was horrible. I initiated an immediate refinancing of my mortgage back to XXXX XXXX. My mortgage loan funded on XX/XX/2019. On or around XX/XX/2019, I began receiving harassing phone calls from Select Serving demanding on " get on the same page in regards to my late XXXX mortgage payment. I demanded a supervisor and informed Select Serving the only page I needed to get on was when I was going to receive not only the my first mortgage payment of approx. {$1200.00} but my escrow account of over {$6900.00}. Not only was I told a check would be cut within a week but my mortgage broker has been in touch with the department responsible for sending these types of refund checks and told the same. My mortgage broker has called Select Serving everyday and everyday we are told the check is going to be cut. To date they continue to hold my money hostage and refuse to send the check. Select Serving did not have full control of my mortgage loan when the refinance went through therefore, they are not entitled to utilize my escrow monies. My mortgage broker provided his credit card so the check could be sent overnight to me. Please help me get my money from the company. They should not be allowed to do this to anyone. XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-08 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: Opportunity Financial, LLC
State: AL

Complaint narrative:
I recently received a promotional offer ( see attachments ) from OPP Loans to apply for a loan. According to the offer, I'd already received a " pre-approved '' status for a potential loan of {$500.00} - {$4000.00}. On XX/XX/2019, I went online to apply for a loan. After submitting my application, I received results showing that I qualified for a loan of {$2000.00} ( according to the loan term agreement ). 

During the loan process, I provided income information ( a copy of my most recent pay stub ), confirmed my credit union information via my online account, and signed a loan term agreement for a {$2000.00} loan. I also included child support as part of my income, but the application never requested proof of other income nor did they reach out to me for that information. I actually signed a loan term agreement at least twice due to a change of terms in the agreement ( appeared the initial payment date was updated since the first agreement was already showing a payment was due on XX/XX/19 ). 

On XX/XX/2019, I decided to reach out to the loan company around noon to see what was going on with the process and I was advised by a rep ( a male ) that my loan was under review and that I should hear something back by XXXX XXXX CST. However, I received an email just before XXXX XXXX   CST stating my loan was denied. I was confused because I thought when I signed the loan term agreement showing the loan amount, that meant my loan was already approved. I contacted a rep ( a female ) with the company and she advised she wasn't able to provide why my loan was denied and that I would have to submit a request for that information. I told her how misleading the process was and she just kept apologizing and saying how she understood my frustration. I also received a denial email ( see attachments ). 

In summary, I applied for a loan based on the promotional offer that I received in the mail, but I was denied only after my personal financial information was already submitted and a loan term agreement / contract was signed. My question is why would I need to sign a loan term agreement and confirm my banking information if I wasn't approved for the loan? I feel as if this company 's loan process is very misleading. They shouldn't have provided a loan term agreement / contract for a loan that doesn't exist. How do I know they won't still try to deduct money from my bank account based on the signed loan term agreement? If you notice on one of the emails attached, they stated they would need this information " before funding your account '' ; indicating my loan had been approved.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: KS

Complaint narrative:
When I took out the XXXX  credit card I enrolled in the optional payment protection plan that would pay the credit card off in the event that I became unemployed or  disabled. I filed an initial claim in XX/XX/2019 after I was hospitalized for attempting suicide. Although, I made the minimum monthly payments and have been told not to work as I suffer from several mental conditions that have made me permanently disabled and  have a doctors statement confirming I have been receiving treatment since XXXX when I was originally hospitalized the insurance is not paying off the credit card despite it being their contractual obligation. 
Subsequently, XXXX has referred the matter to Portfolio Recorvery Associates, despite my not owing this bill because the optional insurance should have paid it off. Demand for payment was made, despite my not owing to the bill. 
Portfolio Recovery Associates as a business associate of XXXX needs to go through the dispute procedures to get insurance to pay off the credit card per the options insurance terms & conditions. 
If they need a copy of the doctor 's statement I am happy to provide it or if they have a claim form to get the retroactive payment I am happy to have it completed by my doctor. 
Let me make it clear, I am happy to give the information to have insurance pay the bill but I refuse to make any payments as I do not owe this bill. Should Portfolio Recovery Associates choose to take this matter to litigation, I will be happy to file a countersuit for tortious interference with a contract as well as any and all legal options I may have available to my disposal. 
Further, it would be in Portfolio Recovery Associates best interest to get insurance to pay this off as I only receive XXXX which is not able to be garnished for civil litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL
State: KS

Complaint narrative:
When I took out the CareCredit credit card I enrolled in the optional payment protection plan that would pay the credit card off in the event that I became unemployed or disabled. I filed an initial claim in XX/XX/2019 after I was hospitalized for attempting XXXX. Although, I made the minimum monthly payments and have been told not to work as I suffer from several XXXX   conditions that have made me permanently XXXX and have a doctors statement confirming I have been receiving XXXX  since XXXX when I was originally hospitalized the insurance is not paying off the credit card despite it being their contractual obligation. 
Subsequently, CareCredit has referred the matter to XXXX XXXX XXXX, despite my not owing this bill because the optional insurance should have paid it off. Demand for payment was made, despite my not owing to the bill. 
XXXX XXXX XXXX as a business associate of CareCredit needs to go through the dispute procedures to get insurance to pay off the credit card per the options insurance terms & conditions. 
If they need a copy of the doctor 's statement I am happy to provide it or if they have a claim form to get the retroactive payment I am happy to have it completed by my doctor. 
Let me make it clear, I am happy to give the information to have insurance pay the bill but I refuse to make any payments as I do not owe this bill. Should XXXX XXXX XXXX choose to take this matter to litigation, I will be happy to file a countersuit for tortious interference with a contract as well as any and all legal options I may have available to my disposal. 
Further, it would be in XXXX XXXX XXXX best interest to get insurance to pay this off as I only receive XXXX which is not able to be garnished for civil 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 explanation
Consumer complaint received 2019-12-08 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: OH

Complaint narrative:
I opened the account with my business corporate filings and personal information while adding backup XXXX  XXXX XXXX account that was also verified. I sold one of my personal items on a different site and used PayPal as a form of payment. Everything went smooth until I tried to make a transfer to use my card on the account and PayPal actually blocked me from using my account and the put the account on hold without asking to verify the business again when it was already done. Then PayPal asked for a receipt for the item I sold on marketplace when it was a personal item and that isn't required to expose your manufacturer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-08 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Commonwealth Financial Systems, Inc.
State: FL

Complaint narrative:
Recently the commonwealth financial group has falsely reported my address the credit bureas as XXXX XXXX XXXX XXXX XXXX FL XXXX which is XXXX XXXX  and is on my my credit report to destroy my reputation. I want this remove immediately and will be obtaining legal counsel if not. The is an act of fraud and must be deal with accordingly.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Kimball, Tirey & St. John LLP
State: TN

Complaint narrative:
This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whether it's a charge off? The balance is in fact wrong, please make sure to reverse it to XXXX  or remove the item fully. Please also produce documentation to verify all the charges and credits in this supposed account that caused to the extremely high credit figure you might have displayed on my account. My demand to present these records is a standard information demand in accordance with my rights honored within the fair credit billing act. If you fail to give these details per my civil rights petition, please make sure you quickly remove this specific wrong posting.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-08 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: Finance of America Mortgage LLC
State: TX

Complaint narrative:
Contacted finance of America numerous times about my two mortgages with them. Informed them the credit report states I owe $ 200ish and confirmed I do not owe them any outstanding balance. 

My report continues to show account is delinquent. I have called as well as initiated email threads confirming I do not have a balance and the loan has been sold. However, my credit report and score are perpetually impacted. 

As of now the lenders have informed me they forgot to wire excess funds nearly {$6000.00} to my transfer lender. 

I do not owe finance of America anything and may have double paid them which they are looking to reimburse. Please have this removed from my account ASAP. I am in the process of purchasing more property and this affects my loan process heavily.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAINE & WEINER COMPANY, INC.
State: TN

Complaint narrative:
This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whether it's a charge off? The balance is in fact wrong, please make sure to reverse it to XXXX  or remove the item fully. Please also produce documentation to verify all the charges and credits in this supposed account that caused to the extremely high credit figure you might have displayed on my account. My demand to present these records is a standard information demand in accordance with my rights honored within the fair credit billing act. If you fail to give these details per my civil rights petition, please make sure you quickly remove this specific wrong posting.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-08 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: TX

Complaint narrative:
Contacted XXXX XXXX XXXX numerous times about my two mortgages with them. Informed them the credit report states I owe $ 200ish and confirmed I do not owe them any outstanding balance. 

My report continues to show account is delinquent. I have called as well as initiated email threads confirming I do not have a balance and the loan has been sold. However, my credit report and score are perpetually impacted. 

As of now the lenders have informed me they forgot to wire excess funds nearly {$6000.00} to my transfer lender. 

I do not owe XXXX XXXX XXXX anything and may have double paid them which they are looking to reimburse. Please have this removed from my account ASAP. I am in the process of purchasing more property and this affects my loan process heavily.

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 2019-12-08 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: TX

Complaint narrative:
Contacted XXXX XXXX XXXX numerous times about my two mortgages with them. Informed them the credit report states I owe $ 200ish and confirmed I do not owe them any outstanding balance. 

My report continues to show account is delinquent. I have called as well as initiated email threads confirming I do not have a balance and the loan has been sold. However, my credit report and score are perpetually impacted. 

As of now the lenders have informed me they forgot to wire excess funds nearly {$6000.00} to my transfer lender. 

I do not owe XXXX XXXX  XXXX anything and may have double paid them which they are looking to reimburse. Please have this removed from my account ASAP. I am in the process of purchasing more property and this affects my loan process heavily.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-08 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Contacted XXXX XXXX  XXXX numerous times about my two mortgages with them. Informed them the credit report states I owe $ 200ish and confirmed I do not owe them any outstanding balance. 

My report continues to show account is delinquent. I have called as well as initiated email threads confirming I do not have a balance and the loan has been sold. However, my credit report and score are perpetually impacted. 

As of now the lenders have informed me they forgot to wire excess funds nearly {$6000.00} to my transfer lender. 

I do not owe XXXX XXXX XXXX anything and may have double paid them which they are looking to reimburse. Please have this removed from my account ASAP. I am in the process of purchasing more property and this affects my loan process heavily.

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 2019-12-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: CHARLES SCHWAB CORPORATION, THE
State: CA

Complaint narrative:
I opened a Schwab bank brokerage account and checking account at XX/XX/2019. They  checked my credit at XXXX with Hard pull inquiry. I got approved at same day. everything goes right. I set up my online banking ready to fund to my account. When I try to login in my online bank at XX/XX/XXXX. I realized my account has been close by the bank. I called their customer service they said everything is ok but my XXXX  has negative information about my account?? What. I opened lots of bank account never have problem about my account. And they check my credit thru my SSN. and already approve my account. Why they still check another system to close my account. I don't accept it. I think they insult me a lot.

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 2019-12-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Today on XX/XX/2019 I had been using Transunion.com to view my credit report, a website to which was advertised as free to use and had finished updating my account only to find out {$26.00} had been deducted from my XXXX account. Then, I proceeded to find a way to cancel my account on the website, but was unable to find any sort of link related to this and couldn't call since it was after office hours so I tried looking online for any answers about this and found links that other people used to cancel their account, but it had not worked for me either. The most bothering part about this is that multiple people have been taken advantage of by this website and yet their customer support is still just as poor. Tomorrow morning I plan to call and see if I am able to cancel and hopefully get a refund.

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