vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-04-19 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Dynamic Recovery Solutions, LLC
State: CA

Complaint narrative:
I have sent a letter to dynamic recovery solutions twice to stop contacting me. 

I have spoken to the rep : XXXX XXXX who works for Dynamic Recovery Solutions and told him to stop calling me but they keep calling me. I have blocked the number and still continue to get multiple calls a day

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-19 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Professional Debt Mediation, Inc.
State: FL

Complaint narrative:
I had to break my lease due to Covid 19, and I am now living with a family member. I had to break my lease because of medical complications, and was unable to afford my apartment. The charged me a fee, of which I told them I would do the best I could. I paid half of it, and cleaned the apartment and they rented it out right away. I told them I would make payments on the rest of it. But they turned it over to a collection agency that calls several times daily, and clearly refuses to work with me. And they have put negative marks on my credit report. I am not sure why they would need such a large amount anyway, since the apartment was clean and was rented out the next week.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-19 00:00:00
Product: Mortgage — FHA mortgage
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: LoanCare, LLC
State: CA

Complaint narrative:
I was affected by natural disaster of the campfire was receiving FEMA assistance and was unable to make my payments on time after XX/XX/2018 ... I made them when I could put the house on the market and sold it for less than what it was worth just so that I didnt default or lose it to foreclosure they agreed to report it satisfied and not report late payments after XX/XX/2018 however it still shows miss/ late payments.

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 2021-04-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: U.S. BANCORP
State: MN

Complaint narrative:
I have a complaint against us bank because I requested the care-act protection numerous times, but I was denied, they are ignoring my request, I requested a retroactive deferment and still no reponse.

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 2021-04-19 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: MARINER FINANCE, LLC
State: NC

Complaint narrative:
XX/XX/XXXX, amount {$4100.00}, this is not my account, it was deleted XX/XX/XXXX now it's back on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-19 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: OH

Complaint narrative:
PayPal has scammer system and close my account after I sent all document. 
PayPal Close my account without any reason. PayPal XXXX ID - XXXX PayPal close my account for any reason. 

I sent selfie with my id, proof of address, and bank Information. I was waiting somebody can help to me but PayPal system is Automatic close and limited Account for avoid that I can use my money that I have. I m feel really frustrate and PayPal doesn't want help me with that issue. I have proof and evidence about my case. my email is XXXX and reference : XXXX XXXX. 

Paypal is not working appropriate with the customer.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-19 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: CORELOGIC INC
State: FL

Complaint narrative:
I filed a dispute in regards to Dispute on my credit and the investigation has taken well over 30 days to be resolved.

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 2021-04-19 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: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: CA

Complaint narrative:
I had a lease with XXXX that was completed over a year ago. Infiniti Financial Services keeps reporting a balance on my credit report even though this lease was completed over a year ago. This is affecting my credit score and they are in violation for the inaccuracies they are reporting on my credit report. My attorney has advised me to make a final attempt to have them correct this before moving towards litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
XXXX XXXX drafted my account for {$960.00} on XX/XX/2021. I had revoked authorization with my insurance agent on XX/XX/2021 because I changed auto insurance carrier to XXXX XXXX. I contacted Wells Fargo on XX/XX/2021 to complete a Written Statement of Unauthorized Debit Form to have the entry returned as a Revoked Authorization ( as the NACHA Rules allow since 60 days have not passed ). I spoke to three different Wells Fargo employees on the phone that did not know what a Written Statement of Unauthorized Debit form was. I was told by all three employees that Wells Fargo can not return an ACH transaction as unauthorized after it has posted. The only thing that could be done is stop payment on future transactions and open a claim ticket to be investigated by Regulation E. 
Because 60 days has not passed, Regulation E does not yet apply. The ACH entry should have been returned by the ACH department as R07-Revoked Authorization. I know this information because I am an Accredited ACH Professional ( AAP ). 
I appreciate the CFPB 's assistance on this matter. This entry needs to be returned before the 60-day deadline passes.

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 2021-04-19 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: Navient Solutions, LLC.
State: FL

Complaint narrative:
I filed a dispute in regards to Dispute on my credit and the investigation has taken well over 30 days to be resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-19 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: PA

Complaint narrative:
On XX/XX/2021 PayPal closed my account for no specific reason. They have frozen my funds also which is {$23000.00}. I have not been able to get help from them and I just remembered I could file a report on here. I feel they are not doing their job properly and holding my funds unjustly and it is effecting me a great deal. I have XXXX  kids and with XXXX  and the frozen account it is making my life very difficult. My email linked to my PayPal is XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-19 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:
XXXX XXXX XXXX account PAID IN FULL!!!!!!!!!!!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: PA

Complaint narrative:
We recently were trying to refinance our mortgage and they ran a credit report and was told this came up. We called the debt collector on the report and they told us it was a XXXX XXXX credit card from XXXX which we never had and gave us an address in XXXX where they sent bills and we have never lived in XXXX. We called Midland credit management on XX/XX/XXXX talked to a collector and he told us to file this report. He said the amount is {$5400.00}. He also said to contact the local police and file a report which we are in the process filing the report. Midland said they would be in touch via mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
XXXX XXXX XXXX account PAID IN FULL!!!!!!!!!!!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-19 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I received a new card in the mail on XX/XX/2021 and immediately called customer service to link the new card to my existing chase business account to have all my cards in one account. 

The specialist misunderstood my request and consolidated my new card to my older business card and closed the new card. 

I explained to her I did not want the card to be closed and that all I wanted was to link the two chase accounts together. She apologized for the mistake and promised to reverse the process. She returns 30 minutes later and informed me that the process could not be reversed and my only option was to reapply for the credit card. 

I should not be doing this to fix the problem they created. I can not reapply for a new card because the hard pull will lower my credit even lower from the previous application. Theres also no guarantee that I will get accepted again.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-19 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: IN

Complaint narrative:
I have communicated multiple times with XXXX XXXX times beginning in XX/XX/2020 about their inaccurate reporting. Relative to me having modified my mortgage loan with them. XXXX maintains that it is not XXXX  that is responsible for this inaccurate reporting and is XXXX XXXX. From whom they bought this mortgages servicing rights. XXXX  and only XXXX  is reporting that I modifies my mortgage. XXXX mortgage is not reporting a modification at all. Please see my attached credit report as evidence both XXXX  and XXXX XXXX  are on 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 explanation
Consumer complaint received 2021-04-19 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: TX

Complaint narrative:
TransUnion has been given proof of closed account as satisfactory. In fact XXXX  contacted them and it was briefly fixed and appeared as satisfactory. Account in question is a joint account with husband. His report is fine and appears satisfactory.Checked credit again today and account contains numerous errors. TransUnion is being willful and has caused great pain and stress as we're in the process of loooking for new house and obtaining loan.

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 2021-04-19 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: AES/PHEAA
State: VA

Complaint narrative:
I sent my application for an update on my PSLF application which was sent in XX/XX/XXXX. I have contacted them 3 times since then and they keep saying they are still investigating whether or not my employer qualifies. My employer is the Fed Government. It was when I initially applied in XXXX and was approved. I have done my research and my employer, The Internal Revenue Service, absolutely qualifies per any of the recent rules. So this reason is not legitimate. I have filed a complaint with them and still have not gotten an acknowledgement of the issue or even of my complaint. 

I want to take legal action. I know that my servicer got in trouble recently for wrongly denying XXXX and had to reverse their actions. Now, it seems their strategy is to just keep customers waiting indefinitely which is the same the as denying. 

Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
We recently were trying to refinance our mortgage and they ran a credit report and was told this came up. We called the debt collector on the report and they told us it was a pay pal credit card from XXXX which we never had and gave us an address in XXXX where they sent bills and we have never lived in XXXX. We called XXXX XXXX XXXX on XX/XX/XXXX talked to a collector and he told us to file this report. He said the amount is {$5400.00}. He also said to contact the local police and file a report which we are in the process filing the report. XXXX said they would be in touch via mail.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-19 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Medical Data Systems, Inc.
State: TX

Complaint narrative:
Medical Data systems INC Account # XXXX Balance {$2100.00} When trying to validate they broke HIPPA law. I know my rights and this is very wrong. 
They must remove this collection from all credit bureau it reports to!

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 2021-04-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: UT

Complaint narrative:
I had an incorrect entry in my credit report and XXXX  and XXXX  remove the erroneous information however Experian will not and they suggest I use one of their products called " Experian boost '' to raise my credit score. I believe Experian is inappropriately reporting lower FICO scores and then having people raise those credit scores by using Experian boost. This fits the definition of racketeering. They create a problem by artificially lowering the credit score and then recommend people fix the problem by using Experian boost. If they didn't artificially lower the credit scores to begin with sometimes 100 points lower than XXXX  or XXXX  ... People wouldn't need to use Experian boost.

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 2021-04-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Chime Financial Inc
State: GA

Complaint narrative:
Chime Bank is falsely closing your debit card after reporting a possible unidentified charge to them. For instance : I didn't recognized a charge to my account and wasn't sure if it was authorized. So, I reached out to Chime to report the charge, however during the conversation, I decided I would do research on the charge and call them back if needed. The reason being is because Chime disables your account when waiting for a new card. You are unable to use your funds unless you can transfer your money to someone with Chime. They do not overnight the card, so it takes anywhere from 5-7 days because of standard mailing. During this time you are without your funds with no access. Based on these reasons, I requested my debit card not to be closed and TO NOT DISPUTE THE CHARGE. Two hours later, I received a email stating that my card has been disable due to a dispute claim that I DID NOT FILE. Now I will not have access to my funds at ALL, this policy is illegal. I am asking that a representative look into this DISPUTE POLICY of CHIME for correction. There is many complaints of the same issue listed on the XXXX  of XXXX XXXX, however that are not a member of the XXXX. I will be changing from doing business with them but felt it was important to report this to prevent them from continuing this unfair practice. Even, if you tell them " NO '' they are still closing your debit card and keeping your money from you for several days or more.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-19 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: CITIZENS FINANCIAL GROUP, INC.
State: AL

Complaint narrative:
I recently attempted to get pre-approval for a mortgage to buy a new house after obtaining a contract on my existing home. I was not aware of any problems with my credit and knew of no issues that might affect me getting pre-approved for a new mortgage. However, the mortgage broker I enlisted said that my current mortgage company, Citizens One, showed me as being 60 days late on my XXXX payment. I have bank statements ( attached ) showing payments made from XX/XX/XXXX to the current date, XX/XX/XXXX, for the balance due, plus additional principal payment, in the amount of {$1600.00}. I have repeatedly called Citizens One but all attempts at getting anyone to help me have been unsuccessful. They will not work with the credit bureaus to remove the 60 day late notice from my credit report. They continue to refuse my requests to speak with someone that has the authority to help with my request. I have been treated with callous indifference by everyone I have spoken to. As a result, I am at their mercy and will be homeless when I close the sale of my house unless I can get this corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-19 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: MD

Complaint narrative:
This company XXXX XXXX XXXX, sent me an email stating that I owed {$3200.00} from Ace Cash Express on XX/XX/XXXX. First of all, I don't have an account with these people and haven't obtained a pay day loan from them. I called the number on the email XXXX Ext.XXXX  and spoke with someone by the name of XXXX . She informed me that this account was created on XX/XX/XXXX and the email attached to the account is XXXX. 

After hearing this information, I immediately contacted my attorney at XXXX XXXX XXXX XXXX XXXX, attorney XXXX XXXX and she researched the information and informed me that it is a scam. Not to give them any information but to report them to Consumer Financial Protection Bureau and that is what I am doing now. This is terrible how people obtain your information and use it against you. They need to be stopped and prosecuted.

Company response to consumer: Closed with explanation