vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-01-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: U.S. BANCORP
State: CA

Complaint narrative:
On or about XX/XX/XXXX, I received a call from my local office US Bank XXXX In-store office to determine if I was interested in refinancing my home and after speaking with my husband we said yes. On or about XX/XX/XXXX, I completed the loan application with XXXX XXXX. I provided the bank with two years worth of statement financial documents that they request. In XXXX they requested more and XXXX they kept requesting more financial statements, loan statements. The only excuses for the alleged delays on the conditional approval was the volume of loans being processed and the Bank not having enough man power to get through the work load. They further contacted me in XXXX asking me for more mortgage statements, which left me speechless and beyond words. I had been going to the to fax documents requested just about every month since the inception of the application. I escalated my concerns and on XX/XX/XXXX, I was contacted by XXXX XXXX, US Bank District Sales Manager, and she apologized for the delays and in the manner my application had been handled. I asked if my loan was going to be denied or approved and she indicated it looked like they were moving forward with the loan approval it needed final approval. Ms. XXXX assured me she would follow up on my loan. I never received a call nor any further communications from US Bank since XX/XX/XXXX. Ms. XXXX also expressed concerns how some borrowers were lying on their applications that they were making payments when they weren't. She even requested for me to open up my credit again so they could run it again and I did. I offered to provide current income statements from my husband as he is XXXX XXXX XXXX and in current climate is an essential worker to the economy and continues to be employed. 

I don't understand the lending practices but being in banking for 33 years I never saw a client being mislead so much and not given a clear answer prior to the insulting letter received XX/XX/XXXX, seven months later advising of a denial due to unable to verify credit references and unable to verify income. 

This is ridiculous and insulting as we had submitted so many different Balance Sheet and Income Statement, Federal Taxes, if they wanted actual wage earning statements I could have provided that documentation. however ; they shut off any communication with me by not calling me nor emailing me this request after my conversation with Ms. XXXX. 

The Bank is highly concerned about the economic climate yet they are red taping this situation, wasted months, took {$390.00} for the application, and lowered my Credit score as they ran it twice placing red flags on me. 

US Bank 's lending practices are out of compliance with federal regulations and need to be reviewed.

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 2021-01-05 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: GA

Complaint narrative:
I hope your day is going well, but I need your help. I noticed some inaccurate accounts on my credit report. I did some reading on the internet about credit reporting laws, and from my understanding if a consumer finds errors on their credit report, they have a right have them fixed, right? I got this information from theFTC and also spoke with someone with you all who told me to submit my complaint here.This incorrect information on my credit report is causing problems when I try to apply for credit.I reached out to each account on here and just can't get anyone to help me. They keep sending from one person to another. I have been dealing with this for a whole month now and the accounts are XXXX, XXXX XXXX, DEPTEDXXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, US DEPT ED, XXXX XXXX. I am doing this on my own behalf and really need someone to help me with this. Also there are several times where someone ran my credit and I didnt give anyone permission to run my credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-05 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I hope your day is going well, but I need your help. I noticed some inaccurate accounts on my credit report. I did some reading on the internet about credit reporting laws, and from my understanding if a consumer finds errors on their credit report, they have a right have them fixed, right? I got this information from theFTC and also spoke with someone with you all who told me to submit my complaint here.This incorrect information on my credit report is causing problems when I try to apply for credit.I reached out to each account on here and just can't get anyone to help me. They keep sending from one person to another. I have been dealing with this for a whole month now and the accounts are XXXX, XXXX XXXX, DEPTEDXXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, US DEPT ED, XXXX XXXX. I am doing this on my own behalf and really need someone to help me with this. Also there are several times where someone ran my credit and I didnt give anyone permission to run my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I XXXX XXXX am a victim of identity theft and fraud. Experian IS VIOLATING MY RIGHTS BY REPORTING FALSE INACCURATE ACCOUNTS ON MY CREDIT FILE. THESE ACCOUNTS WERE OPEN FRAUDULENTLY IN MY NAME. THIS IS MY 3RD ATTEMPT WRITING Experian ABOUT THIS MATTER. THEY HAVE NOT RESPONDED TO MY DISPUTES OR MADE ANY CHANGES. I AM GOING TO HAVE MY ATTORNEY TAKE THEM TO COURT BECAUSE THIS IS A VIOLATION OF THE FAIR CREDIT REPORTING ACT.

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 2021-01-05 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: PR

Complaint narrative:
Please see file attached called " Letter for Experian and XXXX. 
for a complete description, with all required information with additional documents attached. 

This was also sent to XXXX XXXX today, through XXXX XXXX XXXX. 

XXXX XXXX requires to include by mail, the personal information that C.F.P.B. instructs us not to include here, so the attached letter contains that personal information, but I decided to prepare a new version for the C.F.P.B. 
to be included here for XXXX and Experian, which does not include the personal information. 

The document called Scan 3, is a copy of a cover letter provided by a bank officer from XXXX XXXX Branch located at XXXX XXXX XXXX XXXX XXXX, in XXXX XXXX P.R. It was just one of the communications I sent through the same Bank branches and bank officers about this, proving I always kept contact. Other communications, not all, appear as documents called " XXXX XXXX '', the central office XXXX Officer assigned to my case. 

The Petition for Rehearing at the Supreme Court, which was denied last XX/XX/XXXX, just as much of the 7,000 to 8,000 Petitions they receive was also included, identified by a too long autogenerated number for its PDF file. 
The Document called Rehearing Denied shows what the Supreme Court of the U.S.A. 
shows publicly, but they decided not to post everything. 

A page appears at the Supreme Court website saying additional information is available at the Clerk 's Office, showing additional info. not shown, like : XXXX XXXX XXXX attorney motion to substitute XXXX as defendant on my Lawsuit, for XXXX XXXX, the one who granted me the loan to update the XXXX Loan back in XX/XX/XXXX, because they said, now XXXX XXXX owns XXXX XXXX Puerto Rico, because they purchased it : But, the fact is XXXX XXXX still exists nearly anywhere in the world, but not anymore in Puerto Rico. 

I only sued XXXX XXXX : the same judge of the incorrect opinion, denied this motion to substitute party to XXXX XXXX, as shown and included, as Document 162 main. 

The document called 2 letters XXXX XXXX, shows a recent XXXX XXXX XXXX letter, where in XXXX, XXXX XXXX XXXX XXXX XXXX makes reference to another included letter in English, where they wrote XXXX account status is mostly responsible for the adverse credit decision, denying me a loan back in XX/XX/XXXX. 

Thanks

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 2021-01-05 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: CAVALRY INVESTMENTS, LLC
State: CA

Complaint narrative:
the account just showed up one day and i didnt open it

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-05 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: CA

Complaint narrative:
A XXXX credit account was made with my information unknowingly, the individual who made the account was using to purchase numerous amount of products and paid themselves directly. I found out about this account when XXXX credit contacted me asking if I was making a payment on the XXXX XXXX dollar balance pending. When I received this call I thought it was a prank call or fraudulent. I have spoken with the debt collection company and told them to take the account off my credit. I was told to make a police report for fraudulent activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-05 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: CITIBANK, N.A.
State: UT

Complaint narrative:
DSNB MACYS - -XXXX is reporting erroneously on my credit file. I filed for Bankruptcy in XX/XX/2019 and it was dismissed in XX/XX/2019. My account with Macy 's was included in that Bankruptcy. I recently checked my credit file and noticed that my account was still currently updating and that is a violation of the Bankruptcy stay. I have been working hard at improving my credit and this item updating is keeping my scores low. I need Macys to fix/remove this account on my credit file. It is against the Bankruptcy stay for them to update.

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 2021-01-05 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: NY

Complaint narrative:
XXXX was taken from my PayPal account wrongfully using my debit card. PayPal had seemed my case not unauthorized, but they are wrong. I would like my XXXX back.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-05 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: SC

Complaint narrative:
I XXXX XXXX am a victim of identity theft and fraud. Equifax IS VIOLATING MY RIGHTS BY REPORTING FALSE INACCURATE ACCOUNTS ON MY CREDIT FILE. THESE ACCOUNTS WERE OPEN FRAUDULENTLY IN MY NAME. THIS IS MY 3RD ATTEMPT WRITING XXXX  ABOUT THIS MATTER. THEY HAVE NOT RESPONDED TO MY DISPUTES OR MADE ANY CHANGES. I AM GOING TO HAVE MY ATTORNEY TAKE THEM TO COURT BECAUSE THIS IS A VIOLATION OF THE FAIR CREDIT REPORTING ACT.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-05 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: DRB-40, LLC
State: SC

Complaint narrative:
I had a loan with XXXX that went into collections with XXXX XXXX supposedly in XX/XX/2020 I didnt know anything about this until it showed up on my credit report in XXXX. I tried all XXXX to get in touch with them and could not and today I finally did and they have transferred the account to Diversified Recovery Bureau so I called them today to get the account number to set up a payment plan and she threatened me and said if I didnt pay it all today I would be sued and they had the paperwork ready. I informed her I was not going to do that and hung up. I then got on their website and emailed them to get the account number which they complied and I made XXXX dollar payment, they continue to send me letters demanding the whole amount immediately.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-05 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: UNITED BANKSHARES, INC.
State: VA

Complaint narrative:
On XX/XX/XXXX at approximately XXXX, I visited XXXX XXXX United Bank drive through ( the closest to me ) to send an international money transfer of {$5000.00} to XXXX XXXX the money was needed for my late XXXX XXXXXX/XX/XXXX funeral, they stated availability date on the receipt, was XX/XX/XXXX, but up till today ( XX/XX/XXXX XXXX, the money was never received, I have tried working things out with the bank but to no avail. 
On XX/XX/XXXX, I reached out to the branch manager to get a tracking for the transaction, I was told it cost {$50.00} which I was ok with but I never got the tracking requested, then a few days later I demanded a refund and was told that the receiving bank will charge {$35.00} and till date I have not gotten my money back. 
I have been going back and forth with United bank since then, when I call they say they will reach out to their wire department and let me know but I never hear back from the bank until I call them and they give me the same story, like a loop. 
On XX/XX/XXXX, I received an email from the XXXX XXXX branch assistant manager that the money was confirmed to be credited to the beneficiaries account on XX/XX/XXXX and was asked if I still wanted it recall and I said yes because the funeral was already done, I also reached out to the beneficiary and he confirmed the money was not there, I reached back out to the branch to get proof of remittance and got nothing back. I even gave them the receiving bank contact information because they claimed they could not reach them ( I mean I got the info from XXXX and they could have gotten it too if they tried ). 
I also received an account closure mail on XX/XX/XXXX from my branch in XXXXXX/XX/XXXX that they've elected to close my account, I called to ask why and I was told that it is because I don't buy groceries, gas etc like everyone else with that card thus they see me as high risk, I then asked about the pending international wire and the manager said that the bank has been forthcoming from the beginning that the information used was incorrect ( I did double check with the beneficiary and it was correct ) then I asked why he didn't say anything when I called him XXXX XXXX 's branch ) before to complain about the issues with XXXX XXXX branch and he said because you did not send it through my branch. They also ended up not closing the account. 
After over six months of calling customer services and dealing with two managers and two assistant managers, United Bank has failed to deliver, track/trace or recall the {$5000.00} sent since XX/XX/XXXX. 
If you bank with or are thinking about banking with United Bank ( www.bankwithunited.com ), please save yourself these headaches, do not wire money with them!

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 2021-01-05 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: SC

Complaint narrative:
I XXXX XXXX am a victim of identity theft and fraud. TransUnion IS VIOLATING MY RIGHTS BY REPORTING FALSE INACCURATE ACCOUNTS ON MY CREDIT FILE. THESE ACCOUNTS WERE OPEN FRAUDULENTLY IN MY NAME. THIS IS MY 3RD ATTEMPT WRITING XXXX ABOUT THIS MATTER. THEY HAVE NOT RESPONDED TO MY DISPUTES OR MADE ANY CHANGES. I AM GOING TO HAVE MY ATTORNEY TAKE THEM TO COURT BECAUSE THIS IS A VIOLATION OF THE FAIR CREDIT REPORTING ACT.

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 2021-01-05 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: CAPITAL ONE FINANCIAL CORPORATION
State: MN

Complaint narrative:
I purchased a XXXX bag on XXXX  for {$2700.00} from a seller named XXXX, and paid through XXXX with my CapitalOne Visa Credit Card. I received a fake pair of XXXX XXXX shoes, not the bag I paid for. 

I contacted XXXX about this and after their investigation, they found other fraud activities from this seller and removed this person from their platform. 

I filed a dispute with my card issuer Capital One/Visa to recover my funds, and provided them all the documents I have, including email from XXXX confirming that this seller is a scammer and has been removed from their platform, XXXX sent them documents siding with the seller based on the fact that a package was delivered to my address, with the tracking number the seller provided, even though the contents of the said package is not what I ordered and paid for. Capital One closed the case and offered no help whatsoever, then referred me back to XXXX. XXXX informed me that they would have refunded my money but since the case went to my card issuer, they are the higher authority so there is nothing XXXX can do now. I also filed a complaint with the Internet Crime Complaint Center. Right now, I am scammed out of {$2700.00}. XXXX, Capital One and Visa have so far colluded with this seller to defraud me. I am trying to recover my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Chime Financial Inc
State: NV

Complaint narrative:
My name is XXXX XXXX I had an online checking account with chime ... they closed my account and stated my balance would be sent to me with within 30 days of closure which was XX/XX/XXXX .... Ive contacted them numerous times to get excuse after excuse and still no check as of XX/XX/XXXX .... they have emailed me back saying check was coming and would provide a tracking number ... never providing the information promised or the actual check ... now there not even contacting me back!!! When I try to call it prompts me to email and hangs up on me ... please help me!! 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Nv XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
on XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 90 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-05 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: SC

Complaint narrative:
I XXXX XXXX am a victim of identity theft and fraud. TransUnion IS VIOLATING MY RIGHTS BY REPORTING FALSE INACCURATE ACCOUNTS ON MY CREDIT FILE. THESE ACCOUNTS WERE OPEN FRAUDULENTLY IN MY NAME. THIS IS MY 3RD ATTEMPT WRITING XXXX  ABOUT THIS MATTER. THEY HAVE NOT RESPONDED TO MY DISPUTES OR MADE ANY CHANGES. I AM GOING TO HAVE MY ATTORNEY TAKE THEM TO COURT BECAUSE THIS IS A VIOLATION OF THE FAIR CREDIT REPORTING ACT.

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 2021-01-05 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: MI

Complaint narrative:
I have inaccurate accounts reporting on Experian and they have not addressed them and violating my rights according to the FCRA section 609 by keep reporting this information without signed factual proof

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