vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-09-28 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 — Problem with personal statement of dispute
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
Capital one credit card was fraudulently opened Has fraudulent current charges Ive written numerous letters Capital one refuses to delete from my credit report Ive also contacted all three credit rules XXXX XXXX and XXXX Count was fraudulently open online I am a victim of identity theft and there is a extended fraud on my account

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-28 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: AZ

Complaint narrative:
I'm looking to by a house and wanted to get preapproved for a loan. The agent found several problems on my credit report. There were 10 credit cards on my report that I never applied. I believe I am a victim of Identity Theft and these cards are fraudulent and I need them off my credit report. I have submitted a number of disputes through XXXX XXXX and Equifax. I will be submitting a police report also. Here are the cards in question : XXXX XXXX {$590.00} Limit {$500.00} Opened XX/XX/XXXX ( 3 mos ) On time XXXX {$0.00} Limit {$8000.00} Opened XX/XX/XXXX ( 6 yrs, 3 mos ) The XXXX XXXX/XXXX XXXX XXXX XXXX XXXX XXXX Closed Limit {$300.00} Opened XX/XX/XXXX ( 2 yrs, 1 mos ) Closed on XX/XX/XXXX XXXX Closed Limit {$600.00} Opened XX/XX/XXXX ( 4 yrs, 9 mos ) Closed on XX/XX/XXXX XXXX XXXX XXXX XXXX Closed Limit {$3000.00} Opened XX/XX/XXXX ( 5 yrs, 0 mos ) Closed XXXX XXXX Closed Limit {$500.00} Opened XX/XX/XXXX ( 1 yrs, 9 mos ) Closed XXXX XXXX  Closed Limit {$700.00} Opened XX/XX/XXXX ( 1 yrs, 9 mos ) Closed XXXX XXXX Closed Limit {$300.00} Opened XX/XX/XXXX ( 4 yrs, 8 mos ) Closed XXXX XXXX XXXX XXXX Closed Limit {$300.00} Opened XX/XX/XXXX ( 1 yrs, 9 mos ) Closed XXXX XXXX XXXX XXXX Closed Limit {$300.00} Opened XX/XX/XXXX ( 1 yrs, 10 mos ) Closed This Information download from XXXX XXXX and Equifax websites

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-28 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CITIBANK, N.A.
State: AL

Complaint narrative:
In XX/XX/XXXX, I notified Best Buy that I did not agree to a monthly charge for debt protection program. Customer Service Rep told me that I signed up for the service in XX/XX/XXXX when I opened the account. This is a deceptive advertising because I did not agree to this monthly charge. I asked the rep to remove monthly charge from my account and to refund all the months I received the charge. Rep indicated that it would take 30 days for a decision. I received a letter after 3-4 days indicating that I would not receive a refund. I have researched the internet and found that in XXXX Best Buy Citibank was supposed to refund all customers for this deceptive practice for debt protection. I do not recall receiving a refund and dont understand why they did not remove the service from my credit card. I would like a full refund from all the months I incurred this charge.

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 2021-09-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
I'm looking to by a house and wanted to get preapproved for a loan. The agent found several problems on my credit report. There were 10 credit cards on my report that I never applied. I believe I am a victim of Identity Theft and these cards are fraudulent and I need them off my credit report. I have submitted a number of disputes through XXXX XXXX and XXXX. I will be submitting a police report also. Here are the cards in question : XXXX XXXX {$590.00} Limit {$500.00} Opened XX/XX/XXXX ( 3 mos ) On time XXXX {$0.00} Limit {$8000.00} Opened XX/XX/XXXX ( 6 yrs, 3 mos ) The XXXX XXXX/XXXX XXXX XXXX XXXX XXXX XXXX Closed Limit {$300.00} Opened XX/XX/XXXX ( 2 yrs, 1 mos ) Closed on XX/XX/XXXX XXXX Closed Limit {$600.00} Opened XX/XX/XXXX ( 4 yrs, 9 mos ) Closed on XX/XX/XXXX XXXX XXXX XXXX XXXX Closed Limit {$3000.00} Opened XX/XX/XXXX ( 5 yrs, 0 mos ) Closed XXXX XXXX Closed Limit {$500.00} Opened XX/XX/XXXX ( 1 yrs, 9 mos ) Closed XXXX XXXX Closed Limit {$700.00} Opened XX/XX/XXXX ( 1 yrs, 9 mos ) Closed XXXX XXXX Closed Limit {$300.00} Opened XX/XX/XXXX ( 4 yrs, 8 mos ) Closed XXXX XXXX XXXX XXXX Closed Limit {$300.00} Opened XX/XX/XXXX ( 1 yrs, 9 mos ) Closed XXXX XXXX XXXX XXXX Closed Limit {$300.00} Opened XX/XX/XXXX ( 1 yrs, 10 mos ) Closed This Information download from XXXX XXXX and XXXX websites

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 2021-09-28 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: AZ

Complaint narrative:
I'm looking to by a house and wanted to get preapproved for a loan. The agent found several problems on my credit report. There were 10 credit cards on my report that I never applied. I believe I am a victim of Identity Theft and these cards are fraudulent and I need them off my credit report. I have submitted a number of disputes through XXXX XXXX and XXXX. I will be submitting a police report also. Here are the cards in question : XXXX XXXX {$590.00} Limit {$500.00} Opened XX/XX/XXXX ( XXXX  mos ) On time XXXX {$0.00} Limit {$8000.00} Opened XX/XX/XXXX ( XXXX yrs, XXXX mos ) XXXX XXXX XXXX XXXX XXXX On time XXXX Closed Limit {$300.00} Opened XX/XX/XXXX ( XXXX yrs, XXXX mos ) Closed on XX/XX/XXXX XXXX Closed Limit {$600.00} Opened XX/XX/XXXX ( XXXX yrs, XXXX mos ) Closed on XX/XX/XXXX XXXX XXXX XXXX  XXXX Closed Limit {$3000.00} Opened XX/XX/XXXX XXXX XXXX yrs, XXXX mos ) Closed XXXX XXXX Closed Limit {$500.00} Opened XX/XX/XXXX ( XXXX yrs, XXXX mos ) Closed XXXX XXXX Closed Limit {$700.00} Opened XX/XX/XXXX XXXX XXXX yrs, XXXX mos ) Closed XXXX XXXX Closed Limit {$300.00} Opened XX/XX/XXXX ( XXXX yrs, XXXX mos ) Closed XXXX XXXX XXXX XXXX Closed Limit {$300.00} Opened XX/XX/XXXX ( XXXX yrs, XXXX mos ) Closed XXXX XXXX XXXX XXXX Closed Limit {$300.00} Opened XX/XX/XXXX ( XXXX yrs, XXXX mos ) Closed This Information download from XXXX XXXX and XXXX websites

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 2021-09-28 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: CURO Intermediate Holdings
State: AZ

Complaint narrative:
ON XX/XX/2021 I SUBMITTED A REQUEST OF A REMOVAL OF THESE IN ACCURATE ACCOUNTS FROM THE BURUEAS AND THEY DIDNT REPSOND FOR OVER 30 DAYS AND EVEN WHEN THEY DID THEY STILL REPORTED THESE INACCURATE ACCOUNTS WITHOUT SHOWING PROOF.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: Chime Financial Inc
State: TX

Complaint narrative:
I stayed at the XXXX XXXX in XXXX of 2021. I paid for my stay in full upon checkout. 
In XXXX of 2021 they debuted my account again for {$390.00}. When I reached out I was told that the batches from the dates of my stay didnt settle and they recharged everyone who stayed. They advised me to dispute with my bank. My dipute was denied XX/XX/2021. In XX/XX/2021, I was charged again. A representative of XXXX XXXX told me that the dispute was approved and should have repaid the provisional credit from my bank. When I was charged again in XXXX, {$390.00} was taken from my own money as the provisional credit only brought my account balance to {$0.00} and out of the negative. Today, Chime bank reversed the provisional credit and my account is now negative {$390.00}. Ive paid XXXX XXXX XXXX XXXX NOW. Chime will not block the merchant and XXXX will not stop charging me!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-28 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: Portfolio Recovery Associates, LLC
State: AZ

Complaint narrative:
ON XX/XX/2021 I SUBMITTED A REQUEST OF A REMOVAL OF THESE IN ACCURATE ACCOUNTS FROM THE BURUEAS AND THEY DIDNT REPSOND FOR OVER 30 DAYS AND EVEN WHEN THEY DID THEY STILL REPORTED THESE INACCURATE ACCOUNTS WITHOUT SHOWING PROOF.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-28 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: Resurgent Capital Services L.P.
State: AZ

Complaint narrative:
ON XX/XX/2021 I SUBMITTED A REQUEST OF A REMOVAL OF THESE IN ACCURATE ACCOUNTS FROM THE BURUEAS AND THEY DIDNT REPSOND FOR OVER 30 DAYS AND EVEN WHEN THEY DID THEY STILL REPORTED THESE INACCURATE ACCOUNTS WITHOUT SHOWING PROOF.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-28 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: CA

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on 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 2021-09-28 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: CA

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-28 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
Hi Sir/Madam, The situation is as follows. 
I purchase a XXXX laptop and an XXXX XXXX XXXX on XXXX. The payment method is a XXXX  XXXX XXXX credit card that on my PayPal account. 

The total amount of the purchase is {$4700.00}. After I purchased it, due to the pricing issue I canceled the order online and XXXX said they will refund to my credit card. In the same day the {$4700.00} was refunded but it refund to PayPal account balance not my XXXX  XXXX XXXX credit itself. So I need to transfer such funds to my personal checking account in order to pay off the charge.. The transfer was completed but then after a few days, I received an email from PayPal that they are going to suspend my account. 

Today XX/XX/XXXX, PayPal reverse the ACH transfer and made my account overdraft .. it is ridiculous and it is a FRAUD. The purchase already POSTED on my credit card and either your should refund the credit back to my credit card or I need the refund money back to my account in order to pay off the charge but now you reverse the credit then how can I pay the card? 

It is unacceptable and rude. They didn't say or notice me anything on this. 
The activity on my PayPal account. 
XX/XX/XXXX XXXX - {$2600.00} ( Purchase from XXXX ) XX/XX/XXXX XXXX - {$2000.00} ( Purchase from XXXX ) XX/XX/XXXX XXXX + {$4700.00} ( Refund to my PayPal account balance not credit card ) XX/XX/XXXX PayPal - {$4700.00} ( I transfer the balance to my checking account and the status was already completed on XX/XX/XXXX ) The activity on my personal checking account. 
XX/XX/XXXX PayPal XXXX {$4700.00} XX/XX/XXXX ACH HOLD PayPal Reversal - {$4700.00} PLEASE HELP...

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: WA

Complaint narrative:
I have been disputing the accuracy of a public record on my credit report with all tree credit bureaus for over a year. I found out that a third party company, XXXX, was supplying information about me to the credit bureaus. I also received documentation that the courts do not report or verify information with the credit bureaus. I found out I could freeze my XXXX account which would prevent XXXX from verifying any information on me or supply information to the credit bureaus. I froze my XXXX account and again disputed the bankruptcy information. XXXX deleted the information from my report. XXXX is currently reinvestigating the dispute. Equifax says they have verified the information with XXXX ; however, that is not possible because my account is frozen. Either Equifax did not actually verify the information or they were not truthful about how they verified the information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA

Complaint narrative:
I did the forbearance as of XX/XX/2020 in XXXX they contacted me to apply for hardship I still was not working because of Covid 19 2 months later they request statements taxes check stubs and a month ago they said no to everything balloon payment over XXXX to pay or second option foreclosure! They said I needed more income after denying me the hardship they could not do anything for me since XXXX my income has gone up but they didnt ask me to submit any other documents!! All I want is help from them something realistic not paying over XXXX in 20 days

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-28 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Navient Solutions, LLC.
State: NJ

Complaint narrative:
I need the following investigated account name, date of last activity, and opening date. I believe this information may be wrong. I need this removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I Have been diligently contacting Equifax in order to remove a Consumer statement from my report Since XX/XX/XXXX for a month now. I have spoken to 3 different managers and 5 customer service representatives and they all say they have removed it and will be removed in 72 Hours and give a confirmation # but the Consumer statement still remains on my Equifax Credit Report eventhough I have no collections with Equifax. I need The CFPB to request directly to Equifax that the Consumer Statement be removed Immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-28 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: PNC Bank N.A.
State: OH

Complaint narrative:
We only began receiving paper PNC mortgage statements XX/XX/2021, although PNC began withdrawing payments from our account on XX/XX/2021 and XX/XX/2021. 
The XX/XX/2021 statement reflected withdraws on XX/XX/2021, XX/XX/2021, and XX/XX/2021. 
We are concerned that the XX/XX/2021 and the XX/XX/2021 payments have not been deducted from our mortgage loan amount. 
We have tried calling the XXXX number repeatedly, but it rings and rings - NO ANSWER, no greeting, nothing. 
We tried the XXXX number, but it addresses " voice-mail/on line '' banking. 
We researched and found a couple of branches, one of which was just an ATM. 
We called the XXXX, Ohio branch and was referred XXXX XXXX, a mortgage loan officer.

On or about XX/XX/2021, we called his number XXXX and left a message requesting help. No response. 
PNC makes it very difficult/impossible to speak to someone in person to address concerns. Instead PNC focuses on online business- we would say, based on our experience, to the exclusion of actual real-person interaction. 
We would appreciate help to resolve our dilemma.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-28 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: CrossCountry Mortgage LLC
State: OH

Complaint narrative:
I am the spouse of a Veteran. My husband abandoned his home in XXXX XXXX. The house is in his name. I am still residing in the home. During the pandemic we were put on a 12 month program for the payments my husband had authorized me to talk to them then. Now when I reached out to them they are saying they don't have the authorization from him this is a lie. They are refusing to give me any information on the loan or even tell me what the amount is to pay. I want to keep the home but if they are not going to communicate with me the house is subject to foreclosure! That means I will be homeless. I have not spoken to my husband since he left or have I seen him. Also I have programs and resources to help me with the payments but again they are refusing to speak with me on this matter. I was told by one party to fax in a letter saying when he left and then they would further assist me but then when I called back to make sure I had the right fax number they said whoever gave me that information was incorrect and they couldn't discuss anything with me two different rules. I am trying to keep my home at this point I have no other choice but to go through the court system which I wasn't ready to do but I don't want to lose my home either. I need help resolving this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
My rights of privacy have been breached and trespassed by this bureau which is a direct violation of federal law. This bureau is also in violation of federal law by reporting misleading accounts on their website without my written consent. This bureau is reporting misleading information on their website and according to the federal law, it is the bureau 's GRAVE RESPONSIBILITY to ensure fairness, impartiality, and a respect for the consumer 's right to privacy. Their negligence has caused me distress and I'm seeking 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 2021-09-28 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: NY

Complaint narrative:
The Following Accounts are CURRENT AND IN GOOD STANDING XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX POINTS UNECESSSARY THUS DECREASING MY FICO SCORE AND HINDERS MY FINANCIAL OPPORTUNITY. THIS IS CONSISTENT AND ON GOING PROBLEM MONTHLY. I HAVE CONTACTED TRANSUNION REGARDING THE UPDATES. ITS INACCURATE REPORTING.

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 2021-09-28 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: EQUIFAX, INC.
State: NY

Complaint narrative:
The Following Accounts are CURRENT AND IN GOOD STANDING XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX POINTS UNECESSSARY THUS DECREASING MY FICO SCORE AND HINDERS MY FINANCIAL OPPORTUNITY. THIS IS CONSISTENT AND ON GOING PROBLEM MONTHLY. I HAVE CONTACTED XXXX REGARDING THE UPDATES. ITS INACCURATE REPORTING.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: OneMain Finance Corporation
State: NY

Complaint narrative:
One Main not authorized Any credit. At no time did I authorize a credit request. Iam looking into fraudulent activity. I want that inquire deleted. I did not sign no such authorization

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: Mercedes Benz Financial Services
State: NY

Complaint narrative:
Mercedes Benz Financial Account is being reported inaccurately. It is current.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
XXXX XXXX XXXX Account is being reported inaccurately. It is current.

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